Research On Credit Risk Prevention And Control Of Bank A's Legal Person

Modern commercial Banks are special enterprises engaged in credit risk management.Credit risk is a "double-edged sword" for commercial Banks.It is not only the way and means for Banks to make profits,but also the reason of eroding profits.In this paper,the research object Bank A is one of the four major state-owned commercial Banks,with years of prudent operations,some achievements have been made.But at the same time,we can also see that,along with the rapidly changing domestic and foreign economic situation,the financial competition gradually increased,the position of banks and corporations gradually shift,the effectiveness of the severe situation of bank credit risk prevention and control put forward higher requirements and greater challenges.In the credit business of bank A,the total amount of corporate credit business accounts for more than 70%.Corporate credit customers are characterized by large credit amount,strong group connection,long loan term and difficulty in exit,etc.Risk prevention and control is the most important part of the bank's credit risk prevention and control.Therefore,this paper carefully analyzes the current legal person credit risk identification and causes of bank A,and puts forward the credit risk prevention countermeasures and safeguard measures pertinently to improve its risk prevention and control ability.Specifically,the first chapter of this paper mainly introduces the background,purpose and significance of the topic,as well as the main research methods and research status at home and abroad.The second chapter introduces relevant theoretical basis and concept definition,such as risk management,commercial bank risk management,basic concepts and introduces information asymmetry theory and credit risk prevention and control theory.The third chapter introduces corporate credit risk identification and risk factors of bank A,mainly includes the guarantee circle risk,the line of credit measurement risk,group clients risk and loan audit risk.The risk causes mainly include the imperfection of risk monitoring mechanism,the unreasonable credit institutions,the insufficient post-loan management ability,and the false materials.In chapter 4,based on the identification and causes of the corporate credit risk of bank A,targeted countermeasures for corporate credit risk prevention are proposed,such as risk prevention countermeasures for the guarantee circle,risk prevention countermeasures for the theoretical line of credit,risk prevention countermeasures for group client management,standardization of lending process and adjustment of credit structure.The fifth chapter puts forward the safeguard measures of risk prevention,such asstrengthening the construction of enterprise culture,carrying out the transformation of credit business,strengthening the post-loan management,establishing the creditor committee system and strengthening the control and prevention of risks in major field.