Research On Credit Risk Management Of LK Branch Of China Construction Bank

As one of the core business of China's commercial Banks,credit business is of great importance in the operation of commercial Banks.Credit risk is also the most basic financial risk faced by commercial Banks.The success or failure of a commercial bank is closely related to the proper evaluation and management of credit risk.In recent years,influenced by the external environment,the LK branch of China Construction Bank,with the continuous expansion of credit scale,has the potential to increase the credit risks brought by non-performing loans,and the pressure of credit risk prevention and control has increased.Therefore,it is of great significance to study the credit risk management situation of CCB LK branch,find out the possible weak links,learn from the advanced experience of domestic and foreign Banks,and improve its own organizational structure and management process on this basis.On the basis of extensive collection of data and comprehensive review of domestic and foreign research literature,this paper makes a systematic study on the credit risk management of CCB LK branch with the help of the basic theories and methods of risk management.CCB LK branch through combing each link of commercial bank credit management,found that the CCB LK branch of the current credit risk management problems mainly include:organizational structure,management system is imperfect,the low level of risk assessment,lack of professional management personnel,etc.,through in-depth analysis of the problems,and draw lessons from the advanced experience of domestic and foreign outstanding bank,this paper puts forward some countermeasures to improve the credit risk management of CCB LK branch,mainly include:optimization of organizational structure,clear responsibilities distribution;construct the whole process risk management mode;perfect the internal control of credit link;establishing a scientific and practical credit risk assessment system;strengthen credit personnel risk prevention ability training efforts.