Bank Of Communications Qingdao Branch Research On Credit Risk Management Based On Internal Control

Accompanied with risk of commercial Banks in the process of operating time,in its involves the credit risk,operational risk,market risk,liquidity risk and legal risk,credit risk is the most fundamental,is also the main risk.In today's financial industry booming,commercial Banks encountered the severe economic situation are more complicated than ever before,to deal with the relationship between the development and risk,puts forward higher requirements on commercial Banks.Therefore,to manage well and control credit risk is not only beneficial to the healthy and long-term development of commercial Banks,but also to the sustainable development of China's economy.At present,the overall credit risk management level of China's commercial Banks is still not high,especially in the face of the financial crisis,which shows that the risk prevention ability of the economic entity is extremely weak.In recent years,Qingdao branch of bank of communications has caused a great deal of bad debt losses due to poor credit risk management,which severely restricted the expansion of operation scale and the improvement of operating efficiency.To establish and perfect a set of accord with the truth and effective post-loan credit risk management system,prevent post-loan credit risk,to ensure the safety of credit funds,will help improve the level of risk management of bank of communications Qingdao branch,promote the competitiveness of the industry.It is of theoretical significance and practical significance to promote the risk management of bank of communications.This article starts with the current situation of Qingdao traffic bank credit risk management,this paper introduces the basic information of the bank of communications Qingdao branch,the establishment of the credit department,the credit risk management system,credit risk management process,as well as the credit risk rating method,points out problems existing in the credit risk management of bank of communications Qingdao branch,and through the analysis of the indicators,screening,analyses the reason of the bank credit risk management problems,finally puts forward the Suggestions on credit risk control of bank of communications Qingdao branch,solutions are provided for the above questions.