Research On The Identification Of Credit Risk For CC Branch Of Shengjing Bank

For commercial Banks,credit risk is particularly important in their management.Credit risk management has a very big difficulty coefficient,and its effective management has an important impact on the survival of the bank.Compared with western developed countries,some domestic commercial Banks still have many problems in credit risk awareness,identification methods,management measures and prevention mechanism.Most risk management measures are only for the risk management that has become a loss fact,but not for the overall risk management of the whole process.In addition,the measures taken by relevant parties in China to solve this problem are still at the stage of guiding the practical operation with theoretical concepts,without fully integrating the practice.In particular,compared with other large state-owned commercial Banks,the credit management of urban commercial Banks,which are generally established later,is in the initial stage.Under the current economic development situation in China,the financial mechanism has continued to deepen,the progress of financial products has continued to increase,and the main business structure of commercial banks has gradually changed.The proportion of traditional deposit and loan business in the overall business of commercial banks has continued to decrease.Service has become the main business content of modern commercial banks,and the mechanism of credit risk has also changed significantly.Under such circumstances,it is necessary to effectively identify credit risk.The effective identification of pre-lending credit risk can effectively prevent credit risk and minimize risk loss,while post-loan credit risk identification helps to help commercial banks comprehensively and systematically.Analyze the type of credit risk and its causes,and provide a basis for follow-up work.However,at present,there are many problems in the credit risk identification mechanism of commercial banks in China,including the awareness of risk identification of relevant personnel,the backwardness of identification technology,and the insufficient application of relevant early warning and measurement models,resulting in the continuous increase of economic losses caused by credit risk,and non-performing loans of commercial banks.The scale continues to increase.Therefore,improving the credit risk identification mechanism of commercial banks has important practical guiding significance.Under the guidance of the Sheng Jing Bank Head Office,sheng Jing Bank's credit risk management and control mechanism has taken shape,which has effectively reduced the risk level to some extent.However,there are still many areas that need to be improved,and it is necessary to further improve credit risk control capabilities.Based on the implementation of the current credit business at the CC branch of sheng Jing Bank,this paper analyzes the problems exposed in credit risk management,summarizes the internal and external factors that lead to these problems,and proposes specific solutions to the problems..Details as follows:First,in the process of identifying credit risk,CC Branch lacked sufficient consideration for the factors affecting its own business level due to local economic development,resulting in the lack of a more reasonable credit customer structure.Therefore,companies and governments must strengthen the sharing of that information,strengthen exchanges between them,and at the same time continue to enrich the channels for collecting information and strengthen the management of corporate credit risk.Second,the CC branch failed to attach great importance to and correctly understand the credit risk management work,resulting in failure to standardize and effectively carry out credit asset ratings.Therefore,we must attach great importance to risk management and continuously promote the effective improvement of employees' professional quality.Third,it is necessary to closely track and manage early warning customers,timely identify risk signals and enter systems,scientifically manage risks,and resolve them in the first time.Based on the effectiveness of customer risk monitoring,select appropriate early warning opportunities and develop risk solutions for customers.Fourth,CC branches failed to efficiently collect non-performing assets and lacked diversified measures in dealing with credit risks.It is necessary to fully cooperate with other departments and take different measures to deal with non-performing assets,such as enhancing the use of big data,fully implementing internal rating methods and risk measurement evaluation techniques.Based on the analysis of the status quo,problems and causes of sheng Jing Bank's credit risk identification,this paper proposes a practical solution to the problems of sheng Jing Bank's credit risk.It has certain significance for sheng Jing Bank to regulate credit risk,but the research in this paper still exists.Certain shortcomings,such as the summary of the status quo of sheng Jing Bank's credit risk,may be incomplete.Due to the author's research perspective and limited vision,the analysis may not be thorough enough to further understand the credit risk status of sheng Jing Bank and propose effective solutions.It is possible to further increase the survey of the incumbents of sheng Jing Bank or the interview questionnaire for the leaders of sheng Jing Bank,which will be a research direction and research prospects for this article.