X Bank Loan Risk Management Research For Private Enterprise Under The New Normal

Private enterprise loan business is the main core business of commercial banks,high contribution to commercial bank profits.Under the new normal,the structural transformation of the real economy has put a great test on the risk of commercial bank loans.Therefore,the research emphasis on commercial bank credit risk of private enterprises is particularly important.X Bank,as a local commercial bank,still has many deficiencies in the construction of its various risk management mechanisms and staffing.After the new normal,the rate of bad loans and performing loans are constantly improving.From the perspective of industry distribution and enterprise scale,there is still a large degree of irrationality in X bank's loan to private enterprises.Therefore,in the current situation,how to effectively identify,evaluate and control loan risk has become the focus of work and the central link for X Bank.This paper mainly takes X bank as the research object,and focuses on the X bank's risk problem of private enterprises.First of all,it is systematically introduced the specific conditions of X Bank,the distribution of loans to private enterprises,the organizational structure of X Bank,and major loans.Then we analyze the problems and causes of Bank X analysis based on the new normal environment.Secondly,based on the problems that have arisen,we have proposed an optimization plan for risk identification,risk assessment,and risk control.Finally,some implementation guarantee measures for the X-bank private enterprises under the new normal need to be improved.It is hoped that the results of this study will provide some practical suggestions for improving X Bank's risk management of private enterprises under the new normal.It is also hoped that the improved risk management system for private enterprise loans can also serve as a reference value for other commercial bank loan risk management.