Research On Minsheng Bank Company Credit Risk Management By Jiang Man

As an enterprise with assets and liabilities,commercial Banks generally bear high operating risks,among which credit risk has the greatest impact.The development of the banking industry is under the comprehensive influence of economic environment,financial situation,market competition and other factors.Affected by the continuous increase of the non-performing loan ratio,financial institutions have strengthened the importance of credit risk management.Combined with the current market development,it is of great practical significance to carry out in-depth analysis on the current credit risk management work of commercial Banks.The research activities in Shijiazhuang branch of bank of the people's livelihood,for example,through in-depth analysis of the current status of the company's credit risk and risk management,found that the bank's risk management work has many shortcomings,the main problems include management become a mere formality,the lack of perfect risk prevention mechanism,backward management method,management personnel professional ability is poor,and so on.On this basis,the author integrated the latest risk management concept and the related measures for the bank's risk management is optimized to improve,the main content including establish perfect risk prevention mechanism,adopt new management methods,and strengthen the management team,and so on,hope that through these changes can effectively improve the bank risk management level,effectively prevent and reduce the credit risk.At the same time,it is hoped that this research activity can provide some reference and help for the risk management of domestic commercial Banks.