Research On Credit Risk Management Of Changchun Branch Of China Industrial Bank

Along with the sustained development of China's social economy,the financial system has played an irreplaceable role in promoting overall economic reform and enterprise development.In this process,commercial banks play an important role in giving loans to various enterprises during the production and operation period.However,in the process of commercial banks lending services to enterprises,some enterprises will inevitably suffer from loan defaults.This will seriously hinder the development of commercial banks themselves and bring different degrees of economic losses to commercial banks,which in turn will affect Commercial banks effectively promote the positive role of economic development.Therefore,the current strengthening of credit risk management for commercial banks and avoiding defaults have been a topic of concern for many commercial banks in their development.In addition,in the loan project,the state of enterprise development and the risk management status of the loan project have a direct impact on the completion of the bank's business objectives and the recovery of the loan.Therefore,in the continuous period of the loan project,the management of the potential risk factors of the enterprise should be the details that need to be considered in the loan process of the commercial bank.This paper studies the research on credit risk management of commercial banks,and finds that relevant scholars are usually based on macroeconomic data.At present,many scholars have increasingly tried to analyze from a microscopic perspective.Therefore,based on the microscopic perspective,this paper explores the risk identification and control scheme of the Industrial Bank Changchun Branch by means of the combination of qualitative analysis and quantitative analysis.After summarizing the relevant literature materials such as comprehensive credit riskmanagement,economic capital management and performance appraisal of commercial banks,the paper first puts forward the awareness of comprehensive credit risk management of commercial banks,and points out that the credit risk management ability is evaluated by the return of shareholder value.The performance appraisal system belongs to An important basis for influencing the core factors of bank credit risk management capabilities.Under this premise,combined with the specific business data from 2012 to 2017,from the perspective of economic capital management,the Bank of China Changchun Branch has verified the credit risk management capability.Then,in order to continue to explore the reasons for the low credit risk management ability of the Industrial Bank Changchun Branch,from the perspective of comprehensive credit risk management,detailed comparative analysis work was carried out with the performance appraisal work.Under the premise of in-depth review of relevant literatures,this paper begins with a theoretical basis and a literature review,and elaborates some basic theories such as credit risk and risk management.Then,the problems existing in the current situation of the credit risk management of the Industrial Bank Changchun Branch were studied.Then,the in-depth analysis of the causes of the problems in the credit risk management of the Industrial Bank Changchun Branch was carried out,covering the four aspects of credit risk management organization structure,credit risk management method,internal supervision system and quality of credit risk management personnel.Finally,the targeted measures for the credit risk prevention of the Industrial Bank Changchun Branch were formulated,mainly from four aspects:optimizing the organizational structure of credit risk management,improving the credit risk management system,improving the credit risk supervision system,and cultivating professional credit risk management talents..Therefore,it provides a relevant reference for the credit risk control of various commercial banks in China in the new era and the formulation of targeted measures.