Research On Corporate Credit Risk Management Of AA Bank Hangzhou Branch

In recent years,global economy is complicated,especially the zhejiang economy,and the amount of bad loans in the domestic commercial banks is rising,and the credit risk management is increasingly grim.More and more experts research on bank credit risk management.AA bank Hangzhou branch,as the capital city branch of state-owned banks,because of its large scale,products and customers,reflects the typical characteristics of Zhejiang commercial banks,and it also affects the development of other commercial banks in Hangzhou.Therefore,finding appropriate methods to improve the company loan risk management of AA bank Hangzhou branch is the most important problem in financial industry.The paper takes AA bank Hangzhou branch to the company loan credit risk management as the research object.Firstly,it reviews Zhejiang regional economic environment characteristic in recent years.Secondly,the bank's risk management methods and means at home and abroad were reviewed and summarized.According to the Hangzhou economy and the AA bank Hangzhou branch,using the data,charts,case and other means,research macro environment,organization structure,management mode and system design.The paper analysis the present situation,trend and management methods of AA bank Hangzhou branch.The paper focuses on the current problems and gives some suggestions.The paper provides feasible suggestions and innovative ideas,including:One is to response to the external situation of the complex economic environment;Two is to perfect the system and internal control structure;Three is to optimize the credit structure;Four is to increase investigation of loans;Five is to centralized credit controlling;Six is to strengthen credit management and disposal;Seven is to design a credit risk management platform which is in accordance with AA bank Hangzhou branch;Eight is to shape the healthy credit culture.The research conclusion of this paper can provide practical guidance for the AA bank Hangzhou branch,and it also promotes the development of state-owned commercial banks.