Research On Credit Risk Management Of M Bank Z Branch Company

At present,banking is facing with a more complex business environment with the increase of the downward pressure of China's economy and the variable economic situation both at home and abroad,there are various risks and challenges which made the banking industry have to deal with the overall risk management.On the one hand,the trend of economic globalization is faced with the serious challenge of trade protectionism.The contradiction between emerging developing countries and developed countries is increasingly prominent.the external environment is still have some uncertainties,especially represented by the trade war between China and the United States.On the other hand,the downward trend of domestic economy is obvious,which directly leads to fierce competition among commercial banks,and the action about mergers and reorganizations among different banks occur from time to time.For example,baoshang bank was taken over,Jinzhou bank was restructured and other events which made us have to re-examine the whole risk management system of commercial banks in China,and the company's credit risk was placed in a more prominent position based on its proportion.Against this background,this paper takes Z branch of M bank as an example and systematically studies various aspects of corporate credit risk management,hoping to provide some references for the practical problems faced by commercial banks at present.Paper research the company's credit risk management about Z branch of M bank uses questionnaire investigation and case analysis method systematically.in-depth analysis the Z branch of M bank company's credit risk management Before the credit(weak risk identification ability),In the credit(not science,lending link credit approval specification),post-loan(post-loan management does not reach the designated position,risk monitoring is not timely),and explain the cause of the problem from two aspects of internal management and external environment.Paper finally puts forward concrete countermeasures and suggestions to the system of Z branch of M bank company's credit risk management,including related to credit risk management system,improve the talent training mechanism,optimizing the structure of credit business,standardize corporate credit risk management process,improve the company's credit risk management system construction and so on.