Research On Credit Risk Management Of Loans In The Steel Industry Of H Rural Commercial Bank

After the outbreak of the financial crisis,financial institutions pay more and more attention to the management of loan credit risk,and commercial banks have adopted various means to strengthen the management of loan credit risk.In recent years.due to the impact of serious overcapacity,the state audit of new steel projects is more and more strict,which greatly affects the credit financing ability of steel enterprises.It has a significant impact on the similar commercial banks of H rural commercial bank which take the steel industry loan as an important loan business.Therefore,this study takes.H rural commercial bank as an example to carry cut the research on credit risk management of steel industry loans In order to provide countermeasures and suggestions for the bank’s sustainable development.Based on the theory of loan credit risk,combined with literature review at home and abroad,this study takes case study and quantitative analysis as the main method to carry out relevant research.Based on the analysis of H rural commercial bank’s loan business,loan credit risk status and loan credit risk management status,this paper analyzes the problems existing in the credit operation process,credit risk management system and credit organization structure of H rural commercial bank,and deeply explores the causes of the above problems.Finally,it strengthens the risk management of the steel industry before.during and after the loan,and optimizes the loan credit This paper puts forward specffic optimization countermeasures and suggestions from five aspects risk management cystem,training of credit risk management professionals.establishment of credit business accountability system and incentive mechanism,and strengthening the study of safety production related policies,which,provides reference for H rural commercial bank to further manage the credit risk of iron and steel industry.