Research On Company Credit Risk Management Of BH Bank

In recent years,China's economic growth rate has gradually slowed down.The GDP growth rate has dropped from 10.6% in 2010 to 6.7% in 2016.Affected by the economic downturn,domestic companies' operations have encountered many difficulties and impacts,and commercial banks have been operating It has also received greater impact.The company's credit business is the most important business sector for commercial banks,and its risk management also faces greater challenges.BH Banking Co.,Ltd.began its formal operations on December 31,2005.As a wholly-owned joint-stock commercial bank with less than 12 years of operation,although there are various domestic and foreign commercial banks' management experience,they can refer and learn from it,but the internal management mechanism There is still a long way to go before establishing and improving.Like most commercial banks in China,corporate credit business is also BH Bank's main business segment and source of income.How to control the company's credit business risk in the absence of external economic environment,incomplete internal management mechanism,and lack of management experience to ensure corporate income is the main issue of this paper.This article adopts literature research,qualitative analysis and inductive analysis,and draws on the research of domestic and foreign related works and literatures to find out the theoretical basis for the research.At the same time,it combines the theoretical basis found and the actual credit risk management status within BH Bank.Qualitative analysis of the problems and causes of the actual corporate credit management of BH Bank,and then find out ways to solve the problems through induction analysis,put forward suggestions for improvement,and summarize them.The main content includes seven parts:The first part of the introduction mainly introduces three parts: The First,the background of the topic and the significance of the research.Through the analysis of the current situation of the external industry,expound the significance of research.The Second,domestic and foreign literature review;The third is to introduce the research method and content of this article,This article mainly uses the literature research method,the qualitative analysis method and the induction analysis method.Through the research of the relevant works and literatures at home and abroad,we find out the theoretical basis for this study.At the same time,combined with the theoretical basis found and the actual credit risk management status within BH Bank,qualitative analysis of the problems and causes of the actual corporate credit management of BH Bank was carried out.Then use inductive analysis to find solutions to problems,put forward suggestions for improvement,and summarize them.The second part is an overview of related theories,which mainly summarizes and explains the related theories involved in the paper.The third part mainly describes the basic situation of BH Bank,the status of credit risk management and the problems in risk management.First,it briefly introduces the basic information of BH Bank,the development of credit business and the status of assets;The second is to introduce the major risks faced by BH Bank's credit management,including credit risk,concentration risk,operational risk and liquidity risk;The third is to analyze the management of various risks and find out the problems.It mainly includes the problems of high loan concentration,inadequate risk control measures,and high operational risks in some industries.The fourth part is to analyze the causes of the existing problems in the credit risk management of BH Bank and find out the reasons for its occurrence.Mainly reflected in three aspects: First,the industry cognitive factors,the second is the system and process factors,and the third is personnel management factors.The fifth section proposes solutions to the problems and causes identified.Firstly,in view of high industry concentration,it is necessary to increase the scope and depth of industry information collection,actively develop new industry customers,increase upstream and downstream development efforts for existing core customers,and diversify risks;The second is to earnestly draw lessons from the successful experience of peers by carefully combing the adjustment systems and processes through daily business practices,and strengthening inter-industry learning exchanges;The third is to strengthen the training of internal personnel,the introduction of outstanding talents and technology,and some technology outsourcing.The sixth part proposes safeguard measures against the proposed risk control strategy.The first is to ensure the collection of information through the introduction of advanced data processing technology;the second is to establish an extension mechanism for the system and process to ensure that the new system and processes can be productive as soon as possible;third is to improve the personnel training mechanism and performance appraisal system.The seventh part is the conclusion,summarizes the content of the full text,and puts forward the deficiencies.