Research On Risk Control Process Optimization Of J Bank Credit Business Of City Commercial Bank

Credit business is the core business of Commercial Banks,through which Commercial Banks transfer funds to various sectors of the national economy.Therefore,the control of credit business risks is very important not only for the stable operation of Commercial Banks,but also for the healthy development of the national economy.After analyzing the experience of many cases of credit business risk,regulatory authorities put forward the whole process management of regulatory requirements,require Commercial Banks to manage the whole process of credit business,credit business risk control process embedded in the loan business process,achieve real-time control,leave no dead Angle,but found in the implementation,Commercial Banks are more or less problems exist,credit violations are still common.Especially in recent years,the downward trend of China's economy is obvious,and the non-performing loan ratio of Commercial Banks is on the rise again,indicating that Commercial Banks are still lacking in credit risk control,and the risk control process optimization is imperative.As an important part of China's banking system,urban Commercial Banks have developed rapidly in recent years,but they started late,have small asset scale,relatively poor risk management level and weak ability to resist risks.Therefore,we should pay more attention to it and solve it as soon as possible.Otherwise,once an irresistible risk occurs,it will bring huge losses.This article selects J city Commercial bank credit risk control process as the research object,with risk management,process optimization related theory as the theoretical basis,and forensics investigation with the method of case analysis method,in-depth analysis the existing problems and the causes of credit business risk control process,at last,it put forward the optimization.As a City Commercial bank,J bank's design of its business process and risk control process is based on the four major behaviors,which inevitably leads to various problems in its operation.Therefore,based on the research and analysis in this paper,some Suggestions are put forward to achieve process differentiation,part of the work outsourcing and part of the function collection,so as to optimize the existing process and promote the improvement of the work efficiency and quality of J bank's credit business risk control.At the same time,this paper hopes to provide reference for the design and optimization of the risk control process of the credit business of the City Commercial Banks with similar asset size and business types.