Research On Credit Risk Identification Of Sheng Jing Bank

For commercial banks,credit risk is particularly important in their management.Credit risk management has a very large degree of difficulty,and its effective management has an important impact on the survival of a bank.Compared with western developed countries,domestic commercial banks still have many problems in terms of credit risk awareness,identification methods,management measures,and prevention mechanisms.Most risk management measures are only for risk management that has become a fact of loss,but they are not aimed at Comprehensive risk management throughout the process.In addition,at present,the measures taken by relevant parties in China to address this issue remain stagnant at the stage of guiding actual operations with theoretical concepts,and do not fully integrate with actual situations.In particular,compared with other state-owned large-scale commercial banks,the credit management of city commercial banks,which are generally late in their establishment,is at an early stage of development.This article uses literature research method and case analysis method,and takes Shengjing Bank's risk management as an example to analyze the current status of credit risk identification.Explore issues such as lack of credit risk awareness,non-standard credit rating,low post-event management efficiency,and defects in risk identification technologies in the bank's credit risk identification,and focus on the risk-identification mechanism for bank-to-public and retail businesses.analysis.In response to the above problems,through actual investigations and literature research,the concept of integrating development,quality and corporate culture was proposed,the functional effects of the risk prevention and control system were optimized and improved,and the informatization response and processing capacity for enhancing credit risk was improved.Continuously improve the identification of technologies and methods,establish and improve the risk identification and protection mechanism,and strengthen the concrete implementation countermeasures and suggestions for the identification of credit risk,hoping to provide the credit risk prevention and control for commercial banks in the structural reform of supply-side under the new normal Some theoretical references and lessons learned.