Research On Risk Management Optimization Strategy Of Bank Of China's SD Branch Loan Projects

Rapid manufacturing,real estate development in our country in recent years,the number and size of the expanding at the same time,the increasingly strong demand for money,but the current is still mainly rely on bank loans financing ways.Bank loan is not only the main business of commercial Banks in China but also the important pillar of profit.So the derivative of bank credit business risk,with a wide range,high risk,high loss of three characteristics,causes our country banking non-performing loan ratio is generally high,restricting bank business development,hit the bank profit.The bank of China in the future in the face of fierce market competition,wants to remain in the banking industry leaders,we must strengthen the management of credit risk control,establish suited to their needs and improve the loan business process and fluent,this is also the purpose of this paper is to discuss problems.As one of the four state-owned commercial Banks,bank of China is of vital importance to the economic situation and the stability and security of the financial system.Based on the analysis of the present status of China's bank credit as the starting point,a more detailed and in-depth of necessary analysis and research on the problems existing,discover problems,focus on measures of bank credit process,the evaluation of risk and risk management in detail.Based on the experience of foreign advanced risk management,this paper puts forward some ways and methods to improve the risk control of credit business from the aspects of loan process,risk control and organizational structure.We need to develop the bank credit business and balance the needs of the current economic development of Chinese Banks and enterprises to achieve the ideal state of risk management of credit business.