| As Chinese economy has entered a new era,the contradictions between the excess production capacity in economic operations and the upgrading of demand structure becomes more prominent,and the economic transformation is also confronted with great pressure.The financial field has many problems which likes the risks becomes increasing concentration,the bad credit of commercial banks continue to rebound,the latent risks of some transboundary recombination is prominent,and the whole credit risks are rising.Because of the great pressure on the key industries profit and transformation,the profitability of traditional credit business is facing unprecedented pressure.Overall,the development opportunities and challenges coexist in traditional banking industry.On the one hand,many problems,such as tighter regulation and policies,compressed profit space and rebound of non-performing assets,have been highlighted.It's also faced with the impact form online finance and financial disintermediation.On the other hand,with the implementation of the 13 th five-year plan,there is a favorable external environment for the banking industry,which is provided by the strong financial demand in various industries.The innovation of business model,products and services give rise to diversified and multi-level financial demands,which provide a broad market for the banking industry.Nowadays,how to guarantee the profitability of the traditional credit business,the banks who want to grasp the development opportunities under the huge impact,need a risk management level which is more scientific and rigid.On the foundation of consulting domestic and foreign credit risk research literature,this paper introduces the background of domestic bank credit business,and makes the clear purpose which is the case study on the risk management of working capital loan of enterprise A.It hope that this paper can provide some reference for the Postal Savings Bank credit risk management.On the basis of introducing the related concepts of credit risk,this paper further expounds the basic theories of information asymmetry and game theory in credit risk management,and introduces the credit risk management procedures of postal Banks.Then,it introduces the background,operation and management of enterprise A,and the demand for liquidity loans.On this basis,it further analyzes the credit risk management under the current management procedures when the X sub-branch of postal bank accepts the loan business.First,it analyzes and identifys the non-systematicand of enterprise A's working capital loans which is about the credit risks,financial risks,operation and management risks,and conduct the credit rating and qualitative the financial and operating situation.Second,it is to elaborate a series of risk management measures such as qualification examination,credit policy guidance,repayment source analysis,risk limit approval,loan capital management,etc.Third,it further analyzes the inadequacy of the current management procedures in responding to systemic risks such as market and policy.Finally,the credit extension and risk limit,the loan conditions and the post-loan management measures are clarified,which is for the working capital loan of enterprise A.On this basis,this paper summarizes the reference of this case study to the Postal Savings Bank credit risk management of general credit business,including fully investigating and mastering the borrower's information,analyzing the financial operation status,assessing credit and risk limits,and formulating the follow-up management after the completion of loan conditions.At the same time,this paper puts forward the prospects how to response to the market risks,policy risks and other systemic risks.it's about the a sound bad debt reserve formulation,optimizing the investment and financing structure,the proportion of loan quotas for various sectors in a scientific way,the exploration of interest rate liberalization. |
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