Investigation And Research On Credit Risk Management Of Bank H

Banks provide the clients financial supports by their own capital and credit standing;meanwhile,the clients take the responsibilities to pay the interest,proceeds or reimburse the principal.During the operation process,the key risk is credit risk.Banks screen the clients' repayment capability and commercial performance ability by credit risk management to ensure that the default risk is in the control,by which banks make profits for clients and get extra premium themselves.Credit operation is a double-edged sword for a bank.Banks may gain ample reward including interest and intermediate business incomes,and may suffer great losse.Sun Tzu have been said: The art of war is of vital importance to the State.It is a great matte life and death matter,the path of survival.Hence,the policymakers cannot afford to be careless.How can you not take it seriously? Credit risk management equals The Art of War to a bank;also is the foundation of a bank's growing and developing.Operation risk is the vital to a bank,since credit risk management is the key point.Banks are switching to overall commercial model.Maximizing the profits is the character of the commercial bank.Therefore,it is important for a commercial bank to balance the risk and profit.In recent years,New economy normal,financial deleveraging,financial industry supporting real economy,and frequency of supervision policies have taken great changes in the financial industry.In the circumstances,banks have to switch the operation model.Considering the current economy situation and Bank H switching requirement,I am taking the credit risk analysis of Bank H's BST commercial complex as the breakthrough point,taking the atypical real estate project as the object of study.Comprehensively taking in account of the safety,effectiveness,and liquidity of the project,I am analyzing the risk of the project by the market risk and nonmarket risk.And Bank H can design reasonable and operative demands before and after granting loan to control the risks by the site and off-site forensics carding analysis on industry economic outlook ? policy and legal factors,competition situation ? funds accumulation ? shareholders background ? capital base of the project and operation,guarantee etc.The research on the credit risk of commercial complex not only further improves the credit risk management of project loan of Bank H,but provides Bank H and other banks with practical experience and the theory evidence on commercial complex credit management.On the one hand,the research can help banks optimize the bank credit quality,raise the profit;on the other hand,the research can help the commercial complex project strengthen self-management,enhance the weakness to better gain financial support from the bank and develop the real economy.