The Optimization Of Credit Risk Management Of Z Bank Loan Business

With the continuous improvement of China's economic development level,the rapid growth of trade and import and export volume,the diversified demand of customers for financial services has become more and more intense,which has brought opportunities and challenges to the development of commercial banks,and has made the commercial banks' business varieties increasingly rich,financial services more humanized,and the management mode has begun to take the lead in the world.The incoming banks are in line.With the prosperity and development of the economy,commercial banks are also advancing with the times,but there are still many problems in the process of the development of commercial banks,such as the outdated system,the low quality of personnel,backward management ideas,deviations in management ideas,the lack of risk culture and so on.To the development of commercial banks has brought varying degrees of constraints and restrictions.With the emergence of Internet finance,competition among commercial banks is becoming increasingly fierce,profits are severely compressed,asset growth is slowing down,and capital accumulation is slowing down.In order to enlarge the scale and occupy the market share,some commercial banks despise risks in the face of short-term interests,and the phenomenon of heavy lending and light management occurs from time to time.The current slowdown in economic growth,the economy has shown a downward trend,making the expansion of the scale of the business in previous years appeared a large number of risks,non-performing loans for several consecutive years showed a "double-rise" trend,making commercial banks have to re-emphasize the role of risk management,re-examine the omission of risk management.Taking the loan business of Bank Z as an example,through the combination of data analysis and questionnaire survey,this paper finds that there are many problems in the management of bank Z's loan business,such as unreasonable pricing,inadequate management of industry and region,low quality of personnel,inaccurate rating and so on.Effective management measures,such as optimizing the rating model,strengthening scientific and technological support,improving pricing capacity,improving the quality of post-loan management measures.The purpose of this paper is to effectively solve the problems existing in the process of risk management by using the conclusions of the study in practical work.I hope this paper can be used for reference in the risk management of bank Z.