Research On Enterprise Credit Risk Management Of QSB Bank

As the core of modern financial system,the smooth operation of commercial Banks is an important guarantee for the healthy and stable development of economic society.Enterprise credit busine ss is one of the most basic business in commercial Banks,the commercial Banks have great contribution to profits,its operating conditions and the asset quality of Banks has directly affect the overall management and risk management.Reasonable and effective credit risk management is an important part of the long-term development of China's commercial Banks,which decides the survival and development of the ban.To conduct the thorough research to the commercial bank credit management is advantageous to the commercial Banks to identify risks in time and accurate measuring risk,effective risk monitoring and control,thus to achieve the optimal allocation of resources bank,improve operation efficiency.QSB Bank is the Zibo outstanding Enterprise's represent ative,has the certain influence in the locality,in the National 112 City Commercial Bank comprehensive rank ranks best.However,However,the total assets of nearly 70 billion yuan,nearly 40 billion of loans and advances,accounted for 52.17%,loan proportion is too high caused the problem such as high non-performing loan ratio.QSB bank as local commercial Banks,in the construction of enterprise credit risk management mechanism and methods on is still in the exploratory stage is not yet mature,and the safety of credit business directly affect the enterprise the overall operation of sustainability.Therefore,it is of great significance for the healthy and sustainable development of QSB bank to strengthen the level of enterprise credit risk management and effectively realize the risk management of credit business of various enterprises.This paper takes the enterprise credit risk management of QSB Bank as the research object,and uses the research method to ascertain the basic information of QSB Bank's development process,enterprise structure,asset composition,credit scale and credit structure,and adopts the methods of quantitative analysis and qualitative analysis,From the system and process of credit risk management of enterprises,the paper analyz es the present situation of credit risk management and business data of Enterprise credit in QSB Bank,analyzes the existing problems and causes,puts forward strengthening audit supervision to strengthen internal control,Constructing model to realize the effective identification and accurate measurement of credit risk,dynamic tracking to improve the risk monitoring and control and other specific solutions,in order to comprehensively enhance the QSB Bank management,to avoid credit risk level,and hope f or QSB Bank in the case of minimizing credit risk to continue to maintain the current stage of rapid and healthy development to provide strong support.At the same time,we also hope to provide some reference for the existing similar local commercial banks to prevent credit risk and perfect the credit risk management system.