Research On Company Credit Risk Management Of C Sub-branch Company Based On Internal Management Perspective

In recent years,there have been frequent bank risk cases,such as the false wealth management case of minsheng bank and the illegal guarantee case of guangdong development bank,involving a wide range of cases and a large amount of money,and China's financial operation is facing great risks and challenges.Establishing and improving the financial supervision system,preventing systemic financial risks,and strengthening the credit risk management of Banks and companies can reduce the occurrence of non-performing loans and make Banks continue to operate steadily.This paper studies the credit risk management of C branch company from the perspective of internal management,that is,from the perspective of internal management,such as loan operation procedures,personnel management,risk management indicators,assessment mechanism,system construction,etc.In this paper,the analysis of the methods of literature research,case analysis,according to the situation of C branch company's credit risk management,explore C branch company of credit risk management problems and reason analysis,proposed the loan before the survey form machine-made,shortage of customer manager staff and professional quality is not high,less risk management index dynamic analysis in the index,credit review mechanism is imperfect,evaluation of incentive mechanism is not sound,the credit system construction is slow operation,post-loan management become a mere formality and so on seven big problems,This paper puts forward some countermeasures for the credit risk management of the company,such as the measures for the pre-loan investigation according to customers,the matching of personnel and the improvement of professional level,the addition of dynamic analysis index in the risk management index,the strengthening of the training and quantitative examination and approval standard of the operation in the loan,the improvement of the incentive mode,the improvement of the credit operating system,and the highlighting of the quality and efficiency of the management after the loan.The sound development of commercial Banks cannot be separated from the good credit risk management of the company.