Optimizing Strategy Research On Credit Risk Of China Merchants Bank S Branch

Finance is the centre of modem economy,with banks at the core of the finance system.In recent years,banking financial institutions growth slid in assets and liabilities.At the same time,China's largest commercial bank non-performing loans has increased significantly,and has been a serious threat to the healthy development of China's commercial banks.When the economic subject have same relations with bank,various unforeseen or foreseeable risks through credit relationship,part or even all transformation to the bank,the bank become the center of the risk,the bank credit risk.In speed up the transformation of the economy,by all kinds of conversion of transformation of the economic subject of not in time to the bank credit risk management is more important.After the credit risk management is not only the process of the credit behavior,it is accompanied by the whole process of commercial bank credit decision,therefore,how to scientifically establish the commercial bank credit risk management,improve the level of risk management,guard against credit risk,has become our country commercial bank is an urgent need to solve the problem.Based on bank credit management at home and abroad for reference,on the basis of research results and practical experience,the formation reason and credit risk of bank credit risk management present situation has carried on the deeper analysis,and the to the credit culture,business processes,asset quality,personnel quality,incentive constraints,etc the optimization tactics of the bank credit risk management are put forward.In this paper,the china merchants bank S branch credit risk and management status of analysis showed the china merchants bank S branch is the root cause of bank credit risk form because of the uncertain time of various uncertain factors,make the borrower cannot repay the bank loan principal and interest according to time agreement,nearly caused the possibility of expected income loss of credit assets.Stems mainly from the macroeconomic policy,the social credit consciousness and credit internal control mechanism,and employees' comprehensive quality,etc.China merchants bank S branch to ensure the safety of the funds already by conducting strategic transformation,optimize the distribution of the portfolio,to preventing risks of key areas,strictly access and strengthening overhead,multiple handling non-performing assets,improve the application of measures such as preventing creditrisk quantitative tools.But it's the credit culture,business processes,personnel quality,asset quality,incentive constraints,there are many aspects such as further optimization of the factors restricting bank credit risk management,risk management ability determines the radius of the business development,china merchants bank S branch only strengthen credit risk management,take the initiative to manage credit risk management,take the initiative to manage credit risk,the effectively solve prominent problems in the current credit risk management,source to return customers focus on the core,cling to the responsibility of this key,the requirements to implement the way,can the solid good this way off the credit risk management.