Research On The Credit Risk Management In A Branch Of PSBC

With the continuous development of China’s economy,Chinese enterprises and individuals are increasingly demanding loans,and they frequently conduct credit exchanges with banks to obtain their own better development.However,China’s credit business is constantly subject to national macroeconomic policies and the international environment.influences.The sound and healthy development of the credit business plays a vital role in China’s financial system.Therefore,the Chinese banking industry must strengthen credit risk management,formulate credit risk management regulations and processes that are suitable for itself,and continuously optimize according to the external environment to protect banks.The overall stable operation of the industry will reduce the generation of various types of non-performing assets and maintain the bottom line of the country’s systemic financial risks.The Postal Savings Bank is a special commercial bank.Due to the short set-up time,its credit risk management business is not standardized and has insufficient experience.At present,the credit business has become the most important part of the scale of domestic commercial banking business.In recent years,the scale of development has been expanding,but while the development is growing,the loan risk is also increasing,and the non-performing loan amount and non-performing loan ratio have been rising year after year.,loan risk events occur frequently.It has attracted the attention of the national financial management supervision department.This paper takes the research object of the A-share behavior of the Postal Savings Bank.Based on the research background and significance,combined with the relevant research status at home and abroad and the theory of credit risk management,and drawing on the advanced experience of other banks’ credit risk management,the branch of the Postal Savings Bank A Through analysis,through in-depth understanding of the status quo and problems of credit risk management of the Bank of China Branch A,analyze the causes of these problems,and propose reasonable credit risk management strategies.It is hoped that the conclusions of this study can comprehensively improve the credit risk management level of the Postal Savings Bank A Branch.