Research On Optimization Of Risk Management In Corporate Credit In ICBC Changchun Branch

Under the background of the continuous development of socialist market economy,China's commercial Banks contain many risks in the process of continuous innovation and development.As the core and cornerstone of the asset side of commercial Banks,corporate credit business is a high-risk area in many bank businesses.In recent years,the proportion of non-performing loans in China's commercial Banks remains high,and the credit quality continues to deteriorate.Therefore,it has become an urgent problem for commercial Banks to effectively control risks and improve asset quality.As a national key city bank,ICBC Changchun branch's downward pressure on asset quality has continued to increase since 2018,and the good situation in the non-performing loan amount and the non-performing loan ratio which declined for 10 consecutive years was terminated,and the original operating highlights into operating short board.In the current complex and volatile economic situation,credit personnel must continue to adhere to the principle of safety,liquidity and efficiency,and put safety in the first place.We must firmly establish the concept of risk management,stick to the bottom line of credit risk management,put the concept and requirements of compliance management and steady development into every link and whole process of business development and management.The first part is the introduction,which explains three aspects.The first is the research background and significance.It systematically summarizes the challenges posed by China's internal and external environment to the corporate credit risk management of commercial banks in recent years.It also explains the significance of studying the corporate credit risk management of ICBC under the existing financial background.The second is the research method and content,this article is based on the strategic and operational management theory,mainly using the literature analysis and empirical research analysis,and drawing lessons from a large number of strategic and operational management of related theory and practice and related literatures,analyzing the existing problems in the operation and development of ICBC Changchun branch to provide theoretical and practical support for the overall improvement of risk management of ICBC Changchun branch.At the same time,using the combination of qualitative and quantitative analysis method to provide analysis and policy recommendations for the control of corporate credit risk management of ICBC Changchun branch.The third is the theoretical basis and literature review,respectively introducing information asymmetry theory,loan portfolio theory,credit rationing theory.The second part introduces the present situation and problems of corporate credit risk management in Changchun branch.First of all,it introduces the basic situation of corporate credit business of ICBC Changchun branch.Secondly,it summarizes the general situation of risk management and asset quality of corporate credit business in Changchun branch.Finally it introduces the existing problems in risk management,summarized as four,one is that the credit base management is weak,the second is the imbalance of credit structure,the third is that corporate non-performing loans accelerated deterioration,the forth is that the ability level of credit personnel is uneven.The third part introduces the causes of credit risk of Changchun branch,and explains the impact on credit risk of bank companies through two aspects: external environment,internal environment,deeply analyzing the causes of credit risks and making a risk assessment.The fourth part puts forward the risk management and control plan for the corporate credit of ICBC Changchun branch.Through the credit operation capacity improvement plan,the whole process risk prevention and control system of the credit,and the credit practitioners management system,the credit risk management of Changchun branch is rationally optimized,thereby effectively controlling credit risk and continuously improving the quality of credit assets.We will comprehensively improve our ability to control credit risk,promote the healthy development of our credit business,and blaze a trail of green and sustainable credit.