Research On Credit Risk Management Of H Branch Of Construction Bank

The level of risk management of commercial banks is the decisive factor to determine whether commercial banks can survive in the financial crisis,which requires banks to continuously improve the level of risk management to deal with financial risks.This paper studies the credit risk management of H branch,in theory,is conducive to improve the competitiveness of commercial banks,in favor of the bank risk control reasonably,control the business expansion of the scale,and as far as possible to meet the requirement of new Basel agreement.In practice,the research on the risk management of commercial banks is of great practical significance to ensure the safety and healthy development of commercial banks assets and the stability of the financial system.Firstly,through the literature review,this article analyzed the bank macro environment using PEST method,and analyzed the internal environment using SWOT method.In order to realize the data visualization and credit risk management,this paper using fuzzy comprehensive evaluation method to set a math model,which combines 4 first level indicators,14 level two indexes of credit risk evaluation index system,and based on the characteristics of H branch of credit business data,the 30 companies of the credit business of H branch related to empirical analysis.Combined with the spider diagram,realization Visualization of credit risk evaluation,the credit risk management system of H branch of the scientific data more in line with the development requirements of the times,but also provides a practical basis for the improvement of credit risk management system of commercial banks.Finally,analysis the status quo of credit risk management of H branch of the strategic environment analysis and fuzzy comprehensive evaluation based on empirical,this paper puts forward the countermeasures and suggestions of credit risk management mainly includes: perfecting the internal control system of credit risk;credit risk early-warning mechanism;optimization of customer credit management;implement the credit constraint mechanism business.