The Risk Research Of X Bank Y Group Credit Project

Because of the special importance of credit business for commercial banks,it is one of the most important t operational risks of commercial banks.Credit project risk management is one of the most important aspects in the field of risk management of commercial banks.Commercial banks as an important part of the national economy and financial system,the health and stability of the risk management of commercial banks is not only related to their own development,also relates to the health and stability of our country market economy system.In the global scope,the degree of global economic integration deepens,and the degree of global financial integration is further deepened.How to effectively manage the credit risk of commercial banks has always been the subject of the world financial industry.With the outbreak of the U.S.subprime mortgage crisis in 2007,the world's major financial markets and the economic system has been a serious impact,bringing a global financial turmoil.The emergence of the financial crisis,once again to remind people: the importance of risk management for the regional economy and even the global economy.Y group as a large group,the credit business has the characteristics of high credit,business complex,X bank as an ordinary commercial bank,Y group's credit business in X bank credit business,a larger proportion of.Therefore,X bank in the credit business,will face a certain risk.In this paper,through the analysis of the Y group,and analysis of the carding industry the main business of Y group,and the financial situation,management system,operation,the existing non-performing loans of Y group to conduct a comprehensive analysis of SWOT and analysis of Y matrix and Boston group's operations,the overall situation of the Y group is studied.Then the fuzzy evaluation method is proposed in this paper,the main risks in the credit business of bank X Y group,respectively,political risk,financial risk,business risk,the main lending risk and force majeure risk,and these different risks are studied.Then,the risk was evaluated by scoring.The evaluation found that the comprehensive risk Y group credit business of bank X small,several classification risk,enterprise risk impact,followed by the financial risk,the main lending risk and political risk,force majeure risk minimum.Then,according to the actual situation of political risk,financial risk,enterprise risk,the risk of lending and the risk of force majeure,the paper puts forward the measures to deal with all kinds of risks.