The Risk Assessment Of Corporate Credit Assets In Huizhou Branch Of Agricultural Bank Of China

As the core of the modern economy,banking is the lifeblood of market economy.It provides and transmits capital blood for the microeconomic main body of the market economy.As a commercial bank,the credit risk of the financial system has been aroused people's attention.In recent years,the management of state-owned commercial banks has made great progress,but the risk of credit assets is still an important factor restricting the development of banks.Recently,due to the superposition of the domestic economy,the economic structural transformation and the treatment of excess capacity,the non-performing loans of commercial banks continued to increase.According to the C hina Banking Regulatory Commission released the fourth quarter of 2015,the main regulatory indicators data show that by the end of 2015,the commercial banking industry-wide non-performing loan balance rose to 1,274.4 Billion yuan,representing a significant increase of 51.2% by the end of 2014;non-performing loan ratio of 1.67% Up 0.42 percentage points from the end of the third quarter of 2015 increased by 0.08 percentage points,the data has increased for the 10 th consecutive quarter.The face of non-performing loans continued to increase,the CBRC requires commercial banks to actively deal with the increase in non-performing loans to prevent and defuse the risk.However,according to the commercial banks reported in the mid-year report,both the industry and the regions with non-performing loans have a tendency to spread.Meanwhile,the data show that the loan balance of concern has also continued to rise,and the balance of future loans has been easy to some extent.It will be transferred to non-performing loans.Therefore,the current "strengthen credit management,strict control of non-performing assets" is an urgent task of the current commercial banks,how to maintain t he continuous optimization of asset quality is the test of asset risk management of commercial banks in China.In the commercial banking assets business,credit assets accounted for a large proportion of Western commercial banks are generally about 50 percent,while the proportion of credit assets in C hina up to 90 percent or more,so the asset business risk is mainly credit The risk of an asset.Bank credit assets risk is an objective existence,in a volatile economic environment of bank credit assets,mus t be effective risk management,and only the risk can be identified and assessed,can be managed and controlled.Based on the analysis of credit data,this paper evaluates agricultural bank Huizhou Branch in the context of C hina's current macroeconomic environment,showing the shift period of economic growth rate,the painful period of structural adjustment and the digestion period of pre-stimulating policy.Credit assets risk,from the industry point of view,through the corporate loan is expected to compare the loss value of the existing customer structure is reasonable,is consistent with industry trends,to adjust the customer structure,provide a basis for credit direction,and further analysis of the Agricultural Bank This paper puts forward the co untermeasures to solve the credit risk problem existing in Huizhou Branch of Agricultural Bank of C hina,so as to achieve the purpose of effectively preventing the risk of credit assets and improving the current situation of Huizhou Branch of Agricultural Bank of China.The full text is divided into seven chapters: The first chapter introduces the background,the literature review,the research method and the paper structure of the thesis.The second chapter summarizes the relevant theories of credit asset risk assessment.The third chapter analyzes the present situation and the main problems of the credit risk assessment of Huizhou Agricultural Bank,and puts forward a new evaluation angle.The fourth chapter analyzes the causes of the credit risk of Huizhou Branch of Agricultural Bank of C hina based on the credit risk assessment of the third chapter.The fifth chapter puts forward the experience and reference of the credit risk assessment in foreign countries.The sixth chapter puts forward the countermeasure of Huizhou ABC's credit assets risk management.Chapter VII Conclusion.It is hoped that through the research of this paper,it will provide reference for Huizhou Agricultural Bank of China to optimize the credit structure allocation of credit loans,industry investment of new loans and enhance the risk management level of credit assets in order to perfect the risk management level and realize the comprehensive and coordinated development of credit business.