Optimization Of Credit Risk Management In J Bank Handan Branch

Since twenty-first Century,China's economy has been developing rapidly,and the market competition is becoming increasingly fierce.As competition intensifies,the banking industry also exposes many problems.credit business is the core business of banks,and also an important source of profits for commercial banks.So credit risk management has always been a very important work for commercial banks.A sound credit risk prevention and control system and institution can effectively prevent credit risks.Due to the objective influence of the local economic and financial environment and the subjective influence of imperfect risk prevention and control system and inadequate implementation,make the bad loan ratio of J Bank Handan Branch keep a high position in recent years,and has been rising gradually.Judging from the types of bad customers,the non-performing loan rate of the suppliers and sellers of iron-works is the highest,which leads to the higher non-performing provision,the sharply declining profit,the sharply declining salary of the employees,the low enthusiasm of the employees,and seriously restricts the development of J Bank Handan Branch.Therefore,the research on credit risk management of the suppliers and sellers of iron-works of J Bank Handan Branch is very necessary.In order to better analyze the problem of credit risk management of suppliers and sellers of iron-works in Bank J Handan Branch,this paper expounds the present situation of credit risk management in Bank J Handan Branch on the basis of the research situation of credit risk management at home and abroad,the paper also analyzes the credit business of the suppliers and sellers of iron-works of Bank J Handan Branch from the aspects of the present situation of the credit business,the particularity of the causes of the credit risk and the characteristics of the credit risk.Through the analysis of three typical cases,this paper deeply analyzes the credit risk management of suppliers and sellers of iron-works of J Bank Handan Branch,finds out some commonproblems,and finally makes a comprehensive discussion and study on these problems,and puts forward the optimization scheme and supporting measures of customer risk management of suppliers and sellers of iron-works of J Bank Handan Branch,to strengthen the credit risk management ability of J bank Handan branch,and promote the healthy development of credit business.