| Credit risk management is a very important management content in the operation and management of commercial banks in China.With the transformation of China’s economic development mode,the speed of China’s macroeconomic development has slowed down.After 2014,my economic growth rate has been reduced to less than 8%,and shows a trend of continuous decline.However,China’s newly added RMB loans have maintained a rapid growth trend.In 2014,China added RMB loans of 9.78 trillion yuan.In 2015,this target exceeded 10 trillion yuan,reaching 1.12 billion yuan.In 2018,China added RMB loans of 16.17 trillion yuan,an increase of 65% compared with 2014.Under the background of the slowdown of macroeconomic growth in our country,the pressure of enterprises’ operation is increasing,many enterprises are on the verge of bankruptcy and do not have the ability to repay capital and interest,thus increasing the credit risk of commercial banks.Therefore,it is of great significance for commercial banks to strengthen the risk management of corporate credit business.This paper uses case analysis and data analysis to analyze the current situation of credit risk management of P Bank Company under the background of economic downturn,and probes into the existing problems of credit risk management of P Bank Company: imperfect risk management system;uneven quality of risk managers;unscientific decision-making of credit projects.In view of the problems and causes of credit risk management in P Bank Company,this paper puts forward the following countermeasures: Improve the credit risk management mechanism;improve the quality of staff risk management;scientific credit project decision-making;strengthen the implementation of credit management system.This paper consists of six parts: the first part is the introduction,which describes the background,significance,content and methods of this study,and combs the current research situation at home and abroad;the second part is the theoretical basis,defines relevant concepts and elaborates related theories;the third part elaborates the challenges faced by the credit risk management of commercial banks under the economic downturn;the fourth part focuses on the analysis of the economic downturn.The fifth part combines the previous analysis to put forward suggestions for improving the credit risk management of P bank under the economic downturn;the sixth part is the conclusion and outlook,which summarizes the whole article. |
