Research On Credit Risk Management Of X Bank Zhengzhou Branch Company

At present,China's interest rate market reform has lasted for more than four years,and bank credit business has gradually become one of the main business for banks to create profits.However,due to the imperfection of laws and regulations in the credit industry,it is difficult for commercial banks to manage credit risk during the period of financial reform.However,it is difficult for commercial banks to prevent credit risks in the process of monitoring credit risks.They not only need to face sudden external situations,but also need to coordinate the internal work of banks.So the risk management of some domestic commercial banks can not work well.Therefore,how to improve the ability of credit risk monitoring and management of commercial banks in China and improve the performance of banks has gradually become a problem that commercial banks need to solve urgently.Therefore,this paper investigates and analyzes the current situation of credit risk management in a branch of X bank,aiming at exploring the problems and causes of credit risk management in the bank.Firstly,by combing the domestic and foreign research literature,this paper finds that the current research on credit risk management of commercial banks is not comprehensive.Some scholars focus on the analysis of the impact of corporate credit on credit risk,while some scholars put forward the construction of credit system,laws and regulations.Generally speaking,this kind of research still needs to be in-depth,which is quite different from the local reality.Therefore,based on the concept of commercial bank credit risk and related theories,this paper clarifies the content of bank credit risk management.Then take X bank Zhengzhou branch as the research object,through the corresponding financial data to explore the company's current credit business status and credit risk management problems.The survey results show that there are five main problems in the credit risk of X bank Zhengzhou branch,namely,the low quality of loans,the imperfect organizational structure of risk management,the irregular credit business process,the imperfect risk management system and the low quality of personnel.Therefore,this paper puts forward corresponding suggestions for this kind of problem,aiming to provide reference for peers and provide reference for future risk management of X Bank branch.