Ordos Bank Credit Risk Management

Credit risk affects all aspects of modern social and economic life,macroeconomic decision-making and economic development of a country,and even the stability and coordinated development of the global economy.Therefore,how to better guard against and control risks in the process of pursuing profits has always been a matter in the history of the development of commercial banks,which makes the managers of commercial banks spend a lot of energy and have to deal with it seriously all the time.With the improvement of marketization,the operation of commercial banks in China is also facing more uncertain risks.The risk of credit business is an important manifestation.As an important part of the credit system,the level of risk of commercial banks is increasing day by day,accompanied by the difficulty of bank risk management.Therefore,how to effectively evaluate and control credit risk is of great significance for commercial banks to carry out credit business.Firstly,this paper analyses the theoretical basis of credit risk management,and then makes a literature review of credit risk management.Secondly,it elaborates the general situation of the development of the Ordos Bank,and then analyses the current situation of the credit risk management of the Ordos Bank.It analyses the main problems of the credit risk management of the Ordos Bank from the following aspects:lack of scientific and correct awareness of credit risk management;inadequate and perfect credit risk information management system;Credit risk management talents are scarce;credit structure is unreasonable;collateral liquidity management lags behind.On the basis of this,the paper evaluates the credit risk of the Ordos Bank,and then analyses the causes of the credit risk of the Ordos Bank from the internal and external reasons.For the Ordos Bank,the reduction of credit risk should be based on strengthening the internal control of the credit risk management of the Ordos Bank.Flexible use of credit risk management strategy should start with perfecting credit risk control system,further improving credit risk model construction,shaping credit risk management environment,and strengthening fine management of credit risk of Ordos Bank.