Research On Credit Risk Management Of Dongying Branch Of China Construction Bank

Credit business is one of the most important business of China’s banking institutions,but also the main source of income for China’s commercial banks.From the development trend of the commercial banks,credit business for a long time will continue to be the most important business of commercial banks in the credit sector,continues to expand the scale of credit demand,continue to credit risk prevention and control situation is complicated and severe in the background,to strengthen credit risk management is very necessary and important for the commercial banks.From the current situation of China’s commercial bank credit risk management,the credit risk management has a lot of problems,especially because the system mechanism is not perfect,pay attention to the problem of inadequate risk control management as a result of China’s commercial firms in credit risk management compared with foreign financial institutions with a large gap.Based on this,on the basis of process management theory,internal control theory,and comprehensive risk management theory,this paper chooses the research object of Dongying branch of CCB to study its credit management.Firstly,the operating conditions,credit structure and credit characteristics of Dongying branch of China Construction Bank are analyzed.Secondly,the Construction Bank of China Dongying branch.These problems include the loan before the survey is not strictly implement the loan before the survey report is lack of standardization;the approval process is more complicated,and too much emphasis on financial factors;loan management is not in place,the management system of credit is not perfect.Then,it analyzes the causes of the problems in the credit risk management of Dongying branch of China Construction Bank.Including the loan before the survey,the importance of the lack of professional talent shortage,credit investigation credit investigation and training system lack;the loan approval right highly centralized,credit policy is lack of flexibility;pay attention to the management of credit degree insufficient,the performance appraisal system is not perfect.In addition,based on Citibank,the Swiss bank,Italy bank in the credit risk management experience,from the establishment of a sound credit risk management system,the establishment of mutual organization system,pay attention to the credit business process management,pay attention to credit risk management,strengthen the post credit risk assessment and put forward are summarized.Finally,the existence of credit business management of Dongying branch of China Construction Bank Based on the experience of domestic and foreign commercial banks in the credit risk management,put forward countermeasures and suggestions from the credit business management,improve the management of the loan before the survey,control and management of the loan,the loan management point of view and measures to be taken under the current risk situation.