The Credit Risk Management Problems And Counterm-Easures Of JX Bank

Commercial banks play an important role in the financial system,but they also face many risks,such as market risk,liquidity risk,credit risk and operational risk.With the advancement of internationalization,the credit risk of global commercial banks has shown an overall upward trend,and regional differences have become increasingly apparent.The large number of non-performing assets of banks and the competition of foreign banks make it imperative to strengthen the bank's credit risk management.With the acceleration of market-oriented reforms,commercial banks have also achieved rapid development.From 1978 to 2003,the total assets of China's commercial banks increased from 18.75 billion yuan to 27.7 trillion yuan,and the average annual compound growth rate of total assets reached 20.3%,far higher than the nominal GDP growth over the same period.In the ten years from 2003 to 2013,the overall non-performing loan ratio of commercial banks fell by 16.9%,and the weighted average capital adequacy ratio increased by 15.17%,indicating that both the asset quality and adequacy ratio of commercial banks have been significantly improved.In an increasingly competitive domestic and international environment,the traditional credit risk management model is no longer adapted to the needs of the development and innovation of the financial market.At present,China's banking industry is facing the dual pressure of slowdown in macroeconomic growth and economic restructuring,and “shadow banking”."The problem of rapid growth and other issues.Although the probability of systemic risks in the short-to-medium term of China's banking industry is extremely low,how to reduce the bank's credit crisis and keep banks viable and vigorous is still a strategic issue that China's commercial banks have always thought about.For a long time,state-owned commercial banks have limited support for the development of regional enterprises.As a provincial-level commercial bank,JX Bank has had an indispensable position in local economic development and corporate financial services.In recent years,JX Bank has continued to expand its own business and its operating performance has continuously improved.Since its establishment,the bank has continuously improved its internal governance mechanisms and strengthened risk management.However,JX Bank's credit risk management also has many problems: the organizational system of credit risk management is incomplete,the lack of a market mechanism for credit business,the obvious flaws in the credit rating system,and the weak supervision of credit risk.Therefore,a crucial step for the future development of JX Bank is to improve the credit risk management system in order to ensure its competitive advantage in the financial industry.In this paper,combined with the reality of JX Bank,it first introduces the relevant principles of credit risk management,describes the management and control of credit risk,and analyzes the status and causes of credit risk of modern commercial banks.Second,it analyzes the current status and existing of credit risk management of JX banks.Next,on this basis,propose corresponding credit risk management countermeasures and suggestions to optimize the design of the JX Bank's risk management process system;and finally,from the macro level,implement measures such as implementing countermeasures,management measures,and talents.Therefore,the continuous improvement of the JX Bank's credit risk management system and the provision of effective optimization plans and promotion policies will be conducive to the improvement of the international status of commercial banks.At the same time,it provides reference for other domestic commercial banks.