Credit Risk Management Research Based On Z Bank W Branch

Commercial banks are not only the main partment of the development of the national economy,but also the important pillar of the overall economic development of our country.The credit business is the main way for the commercial banks to obtain profits,and is also one of the main factors that cause the operation risk.At present,our country's economy is in an important period of transition,and the business of commercial banks is constantly changing.Credit risk management has always been the key to the management of commercial banks.It is not only related to the management of the banks themselves,but also the long-term stability of the national macro-economy.Therefore,the prevention of financial risks and the maintenance of financial stability can be achieved.It is of great significance.This article takes the credit risk management background of commercial banks as the starting point under the current economic situation,First,the literature on credit risk management of commercial banks at home and abroad is expounded,thus an empirical analysis is carried out from this,take Z bank W branch as an example,describe the Z bank W branch credit risk management status,explain the current bank of credit risk management.This paper analyzes the existing problems in the credit risk management,puts forward the corresponding countermeasures and suggestions from the actual situation,and lists the measures to be taken,and finally emphasizes the necessity and importance of credit risk management to the continuous and stable and quality development of commercial banks.The current situation of Z bank W branch reflects the common phenomenon in the credit risk management of the mainstream commercial banks in China,and applies the theory to the practice of credit risk management,and expects to have a reference for the optimization of the credit risk management of commercial banks in China.