Research On Risk Control Of Corporate Credit Lending Operation By HH Bank Zhengzhou Branch

In recent years,the state has stepped up supervision in the financial field,and most of the violations and violations of laws and regulations in the banking industry are related to the loss of control of operational risks.Bank financing in recent years,the overdue of litigation,bank creditor's rights against or part of the rights and interests is damaged,the problems of all kinds,there are mainly the mortgaged property repeated mortgage,guarantee the contract I signed,the pledge was wrong illegal disposal,contract signing,etc.,some of them are civil disputes,some involving criminal finally,the protection of bank assets caused a certain influence.In particular,some products sold by Banks as agents have encountered risks.Although the ultimate risk is borne by non-banks,but the business is completed within the bank.All pose challenges to the bank's risk prevention.Bank operation risks cover a wide range,and all kinds of operation risks pose a threat to the sound operation of Banks.Public credit lending is the last risk threshold for the formation of bank assets,which has a direct impact on the quality of bank assets.Based on the HH bank Zhengzhou branch's corporate credit lending operation as the research object,through to the Zhengzhou branch existing loan credit conditions to carry out the risk of operation process,contract text using risk,credit customer credit risk,regulatory compliance risk,operation risk,IT system operation risk,to pledge custody risk and credit risk of loan archives encountered in the daily operation analysis of the risk points one by one.It reveals the main operating risks in the actual business operation of corporate credit lending,including unclear conditions of credit approval,conflict between credit approval and current system,and inconsistency between credit approval and credit management system.Incorrect version of the credit and guarantee contract,incomplete contract,non-standard content filled in,abnormal format terms deleted,signature and seal not in accordance with requirements,on-standard contract;There are major changes in the operation of the customers after the credit approval,involving cases and lawsuits,new negative credit investigation,major changes in management and major public opinion events.Physical verification of pledges,receipt of certificates of rights and entry into storage;The authenticity of the loan fund entrusted payment,the source of the deposit and the background of trade;Credit management system input,data statistics,supervision data integrity and accuracy;To sort,file and retrieve the loan files,and list the current practice of controlling operation risk of Zhengzhou branch.In combination with related literature on the study of operational risk,and reference toward other bank credit loan operation mode,summed up the HH bank Zhengzhou branch in practice approaches to the main problems in the credit loan operation risk loan,and analyzes the causes of such problems found with the organizational setup and sector division of duties,personnel,operation,development,science and technology system imperfect aspects such as setting or supervision does not reach the designated position.At last,the paper puts forward some Suggestions to improve the risk control of public credit lending in Zhengzhou branch,and solves the risk control problem of public credit lending in Zhengzhou branch from macro and micro aspects.The macroscopic level solves the problem of risk and business line in the organizational structure to cross management of the loan center;Reassigning the job responsibilities of the lending center,reducing the management responsibilities of the business development of the lending center,and strengthening the risk prevention and control ability;Optimize personnel system,improve risk control initiative of customer managers and loan auditors,open up personal promotion channels and avoid moral risks;Strengthen the publicity of compliance culture and make compliance operation deeply rooted in people's minds.At the micro level,we should strengthen the training of loan operation and implement the qualification certification and assessment system.Strengthen the supervision and punishment of the illegal operation,and form a deterrent to the illegal operation;Increase scientific and technological investment,improve the automatic approval capability of corporate credit lending,optimize the functions of the core credit management system,control the business process from the scientific and technological level,and reduce the probability of occurrence of operational risks.