Research On Credit Risk Management Of Bank Of Communications Jilin Branch

Risk prevention is the eternal theme of banking operation and development.One of the most prominent and concentrated problems in the banking industry is the credit risk.With the development of financial market,the business pressure of commercial Banks in China is much higher,and the credit risk is increasing.As is known to all the assets of state-owned commercial Banks the main business is credit business,then of course the main risk is credit risk,whether can be a very good deal with credit risk is related to the long-term development of commercial Banks.At present,our country commercial bank credit risk management level is low,compared with foreign commercial bank credit risk management still exists a big gap,including high non-performing assets ratio,poor safety of credit assets,imperfect legal and social environment,the internal system is incomplete,and so on factors implied a considerable crisis.This article from the forms and causes of credit risks,systematically analyzes the traffic bank in jilin province branch credit management problems and reasons,and puts forward some countermeasures to improve,the organic connection process in volves the risk management of each link,forming a tight both influence each other and causal system.Firstly,this paper analyzes the current economic situation in China,and puts forward the background and significance of this research.Secondly,the bank credit risk management and its theory are reviewed,and the meaning and classification of credit risk and credit risk management and the significance of credit risk management are clarified.On the basis of the analysis of the current situation of credit risk management of bank of communications in jilin province,points out that the bank of communications in jilin province in the existing problems in risk management,and analyzed the reasons for these problems;Finally,the paper puts forward the policy Suggestions to improve the risk management of the branch in jilin province,mainly including the application of the internal evaluation method in the enterprise credit rating as soon as possible.Detailed field investigation outline;Try a variety of g uarantee approaches;Accelerate product innovation;Implementation of scientific pricing management;Strengthening post-loan management;Establish and improve the enterprise credit risk early warning and active withdrawal mechanism;Centralized management of credit risk;We will foster a culture of credit management that is prudent and compliant.