Research On Credit Risk Management And Control Of Business Loan Based On A Bank,D Branch

In the past five years,along with China's economic slowdown and gradually showing a "new normal",the progress of science and technology and the rise of Internet banking,commercial banks are facing the new opportunities and challenges,which demands a higher level of risk management of commercial banks.Credit business is the core content of traditional banking business.The level of credit risk control can directly affect the overall operation level of banks,so it has become one of the top priorities of many concerned parties.Based on the practice of credit risk management of A bank D branch as the research object,this paper is trying to explain the D branch current credit risk management situation from the perspective of branch,analyze the existing problems,the internal causes and external causes,and put forward the reasonable proposals.The main work of this article is divided into the following aspects.First,it puts forward the research problems and expounds the significance of the research.Secondly,the current situation of international and domestic industry development is reviewed and brief comments are given.Thirdly,through analyzing the current situation of credit risk management of D branch,this paper lists the existing problems,the internal and external reasons and further problems are analyzed,and finally puts forward some improved schemes for risk control of credit business of A bank D branch and the suggestions.Based on the analysis of the economic background,the international and domestic industry development process and the actual situation,this paper studies the credit risk management and control of D branch of A bank,and puts forward a series of feasible plans.Combined with the experience and lessons of the development process of the developed countries and the practice of bank credit business risk management,it has considerable practical application value.The results of this study not only have practical significance to the D branch of A bank,but also have some reference for the management and control of credit risk of other commercial banks.