The Research On The Enterprises Credit Risk Management Of C Bank In Hebei Province

Commercial banks have played an irreplaceable role in China's reform and development in the past 40 years,which is related to the prosperity and stability of the whole economy and society.After 40 years of development,even commercial banks in China have gradually diversified their profit channels,credit business is still the main profit source.With the development of new financial technology and the progress of economic integration,especially under the new normal economic situation of foreign trade environment deteriorating and domestic economic growth slowing down,the credit risk has gradually become the focus of commercial banks' business development.At present,compared with developed countries,China's financial market is still in the stage of continuous improvement.Credit business accounts for a higher proportion of commercial banks' asset business;credit risk has become the main risk in the operation of commercial banks in China.Therefore,how to improve the credit risk management level is of great significance for commercial banks to achieve substantial development.This paper chooses the enterprises credit risk management of C Bank in Hebei Province as the research object.As a city commercial bank located in the eastern part of Hebei Province,Bank C is in the "middle zone" of the whole financial structure of our country,there are state-owned banks and joint stock banks in higher level and agricultural and commercial banks,credit cooperatives and village banks under it.At the same time,it is also facing many opportunities such as the coordinated development of Beijing,Tianjin and Hebei,the establishment of Xiong'an New Area.Under the guidance of the market positioning "serving the local economy,serving medium,small and micro enterprises,serving urban and rural residents",they have made great efforts to develop small and medium-sized enterprises' customers,made outstanding contributions to local economic and social development.In the new development period,Bank C needs to further strengthen the management of credit risk,promote the improvement of level and efficiency of enterprise credit risk control,to achieve sound development.Firstly,this paper elaborates the theory of credit risk management in commercial banks from following four aspects: comprehensive risk management theory,credit rationing theory,principal-agent theory and information asymmetry theory.Secondly,it describes the main development situation and the current risk management situation of Bank C.Then it combines other banks' experience in enterprises credit risk management.This paper analyses the problems existing in the credit business risk management of Bank C,such as imperfect management organization structure,non-standard risk management system and process,and weak awareness of risk compliance.Finally,it puts forward some suggestions for the credit risk management of Bank C: to establish an organizational structure of credit risk management suitable for the operation characteristics of Bank C,and to further improve its credit risk management system and process,strengthen the construction of credit business risk management culture,intensify efforts to carry out credit personnel training and education,improve the risk management accountability and assessment,and ultimately improve the level of credit business risk management of Bank C.