Credit Risk Management Evaluation And Improvement Research Of Agricultural Development Bank B Branch

In recent years,with the overall downward trend of the global economic growth,the international and domestic environment is becoming more and more complex,and the risks faced by banks are increasing day by day.At the same time,the total amount and the rate of non-performing loans are also rising year by year.Therefore,it is very important to strengthen and improve the construction of credit risk management system and enhance the level of credit risk management.This paper uses COSO risk management framework and Basel Accord to study the credit risk management of Branch B of China Agricultural Development Bank.Based on the eight elements of COSO risk management framework,this paper studies the following problems in credit risk management of branch B by means of data statistical analysis,questionnaire and on-the-spot investigation and interview: poor construction of internal control environment,vague target positioning,backward means of risk identification,lacking of risk assessment ability,inadequate response to risks,complex and inefficient credit process,weak function of information system,and conservative and outdated supervision ways.Finally,according to the problems found,the following suggestions are put forward: optimizing the environment for internal control,tamping down the basis of risk management;Accurate quantitative target positioning,constructing unified thinking;perfecting risk identification system,multiple measures to identify risks;improving the evaluation technology system,improving the quality of risk assessment;improving the risk response procedures,expanding the way of risk disposal;streamlining the credit control process,improving the efficiency of loan management;reforming the function of credit system,strengthening the level of analysis in an all-round way;objectively and actively carrying out supervision and control and deepen the reform of internal control.This paper provides references and ideas for helping the relevant banking institutions to improve the credit risk management internal control system.