Research On Risk Management Optimization Of Corporate Loan In Qingdao WB Bank

Since 2015,China’s macroeconomic downward pressure has continued to increase.With the deepening of the "three to one,one to reduce and one to supplement" regulatory measures,China’s economic growth rate has declined from a sustained high growth state to a medium-high speed of development.The structural contradiction between the weakness of old economic drivers and the lack of new ones is prominent.With the progress of capacity reduction,enterprises generally suffer from declining efficiency,tight capital chain and frequent credit default.At the same time,the risk management level of China’s banking industry is far behind the speed of business development,so the loan risk of commercial Banks is increasing,the non-performing loan balance and non-performing loan interest show a "double rise" trend,and the asset quality of the banking industry in shandong province is not optimistic.At the same time,with the comprehensive prevention and control of the outbreak of systematic financial risks,the CBRC and the people’s bank of China have introduced and revised a series of laws,regulations and financial regulatory policies,putting forward higher requirements for commercial Banks to operate in accordance with laws and regulations.The commercial banking industry is experiencing the pains of transformation,so the risk control cannot stay at the traditional level,and more effective measures must be taken to control the loan risk according to the new environment and new factors.Qingdao WB bank studied in this paper was established in 2010.It is a long-distance branch of shandong provincial city commercial bank,which is positioned to serve local economy,serve the general public and serve small and medium-sized enterprises.Since the establishment of WB bank,it has always been adhering to the development mode of giving priority to public business.Currently,public loan accounts for nearly 90%.Since 2016,risk incidents of public loans have been frequent,and non-performing loans have been exposed in a concentrated way and taken risks before and after clearing.WB bank in Qingdao also faces unprecedented pressure of loan risks.Affected by non-performing loans,the development of Qingdao WB bank has been seriously hindered and ranked low in the head office evaluation for many years.WB bank is a city commercial bank,and its risk prevention and control management level is much lower than that of advanced Banks at home and abroad,and there are many deficiencies in the management mechanism and methods.This paper takes the public loan risk management of Qingdao WB bank as the theme,with the goal of optimizing the loan risk control process and reducing the loan risk,and makes a detailed analysis of the current situation of the bank’s loan risk management.The defects of the risk management of public loan in Qingdao WB bank are also discussed.Then it puts forward Suggestions on the overall control of the bank’s loan risk management and the optimization of the loan risk management system,and guides the practice of commercial Banks’ loan risk management through theoretical research.