Research On Credit Risk Management Of The Off-branch Loan Of K Bank

At present,the long-distance loan occupies a considerable proportion in the credit business of domestic commercial Banks,especially small and medium-sized commercial Banks.Under the current strict supervision background,the different place loan is one of the objects which the supervision department focuses on.K bank is an urban commercial bank positioned at the strategy of combining industry and finance.Long-distance loans account for a considerable proportion of K bank’s credit business.Meanwhile,non-performing loans account for a relatively high proportion in long-distance loans.Firstly,this paper introduces the relevant situation of K bank.Based on the analysis of its asset structure and income structure as well as the high non-performing loan ratio of long-distance loans,the importance of the credit risk management of long-distance loans of K bank is derived.Secondly,credit risk,the definition of credit risk management,the main principles and strategies of credit risk management are introduced.Again,based on the analysis of the K of bank credit risk management of foreign organization structure,rules and regulations,and credit policy,business process,by using the basic theory of commercial bank credit risk management,control the regulatory system,find K bank on different credit risk management problems and the insufficiency,on the basis of analyzing the causes of the problem above,combined with the current economic situation and regulatory requirements,puts forward some countermeasures and Suggestions.It is found that K bank’s credit assets account for a relatively high proportion and interest income accounts for a relatively high proportion in its operating income.In other words,K bank mainly relies on traditional credit business to drive its development.At present,K bank accounts for a relatively high proportion of loans in different places,the non-performing loan ratio of loans in different places is relatively high,and K bank has a heavy task of credit risk management for loans in different places.At present,K bank has some problems in corporate governance,performance appraisal,credit policy,internal control and other aspects of credit risk management of long-distance loans.The main reasons for the problems lie in the implementation of rules and regulations difficult,lack of corporate culture,unscientific performance assessment,internal control failure.Therefore,K bank should improve credit risk management by improving ideological understanding,cultivating corporate culture,especially risk management culture,establishing scientific assessment mechanism and strengthening internal control.It is hoped that this study can be helpful to improve K bank’s credit risk management ability of long-distance loans,and provide reference for other small and medium-sized commercial Banks’ risk management of long-distance loans.