Research On Risk Management Of Credit Business In C Bank

In recent years,the real economy of our country has been slowing down,the pace of interest rate marketization has been quickened,and the Internet finance is developing rapidly.This situation has further increased the operating pressure of the domestic banks,and the development space of the domestic banks has been squeezed out.In addition,the development of the banking industry is also affected by the rapidly changing economic and financial situation and the further fierce market competition,which makes the development of the banking industry face great difficulties.Against this backdrop,Bank C's non-performing loan rate his a six-year high in late December 2015,reaching 2.39%.2016 at 2.37%.The centralized explosion of credit risk makes the development of the banking industry face enormous challenges.Bank C,as a representative commercial bank in China,still has a big gap with foreign advanced banks in the level of risk management of its corporate credit business,which is mostly manifested in the mechanisms and methods of risk management and other aspects.At the same time,the amount of non-performing loans and the ratio of non-performing loans of the bank both increased for the first time in 2014.C bank's corporate credit risk mainly comes from the large amount of loans existing in the corporate credit business itself and the characteristics of concentrated investment.By studying the actual operation of C Bank in corporate credit business and the present situation of risk management,it is found that C Bank has faith in the risk management of corporate credit business.The loan business process is not standardized,the infrastructure of risk management is relatively backward,the risk management culture is lacking and it is difficult to monitor the true use of credit funds,The existence of these problems increases the probability of bad debts of Bank C and reduces the quality of its assets,which greatly affects the healthy development of Bank C.In view of the current risk management problems of corporate credit business in Bank C,through the analysis of the specific operation situation of each link in the company loan business process of C Bank,and combined with the case to discuss and analyze the causes of these problems.In order to perfect the risk management of credit business of Bank C,for example,to implement the strategy of risk management in the whole credit process,to innovate the means of risk management,and to foster a positive and healthy risk management culture.Strengthen the management of the use of credit funds and carry out overall reform of the institutional mechanism of risk management.