Research On Credit Risk Management Of DL Branch Of China Merchants Bank

In the process of economic globalization,the financial market is facing unprecedented development opportunities,but in the rapid development at the same time,there are actually a lot of risks,for most companies,financing will first consider to apply for lending,for commercial Banks,want to avoid the risk of lending,must be according to the market status quo to formulate the corresponding risk control system,to better maintain the bank operation activities.Therefore,commercial banks must formulate professional lending process,raise the lending threshold,and establish a set of internal risk control system,in order to gain a firm foothold in the market competition and obtain sustainable development.This paper conducts an in-depth study of DL Branch of China Merchants Bank,Based on the credit rationing theory and the credit risk prevention theory,On the basis of reading a large amount of relevant literature on bank credit risks,Analysis the actual situation of credit risk of DL Branch,By adopting the form of a survey questionnaire,Investigate the credit business personnel of the DL Branch,Understand the current credit risk problems existing in the DL Branch,It is proposed that the credit risk of DL branch mainly has the problems of low credit risk identification level,credit risk assessment is unreasonable,inadequate control of credit risk management process,and imperfect risk monitoring and early warning mechanism,The reasons for the problem are the information asymmetry between banks and enterprises,the imperfect internal control mechanism of credit risk management,the failure to properly supervise the use of credit funds,and the urgent need for optimization of the post-loan management mechanism.For the analyzed problems and causes,Put forward the optimization measures for the credit risk management of DL branch:optimize the credit risk identification process,Strengthen the pre-loan,credit granting and post-loan risk identification;Strengthen the construction of credit risk assessment mechanism,By establishing a credit evaluation index system,Expand the scope of information collection with big data,Strengthen the credit risk assessment and control of DL branches;Strengthen the internal credit risk process management,The DL branch should straighten out the risk management process,Form a sound post-loan management system as soon as possible,Develop a credit information management system,Strictly implement the post-loan management and accountability system;Comprehensive coverage of the risk monitoring and early warning system,Using big data technology to monitor credit risk,Timely submit the risk monitoring information,Optimize and implement the risk early warning and management mechanism,Form a comprehensive system of risk early warning indicators.In order to ensure that DL Branch completes credit risk management tasks properly,it is necessary to assign special risk management personnel,assign responsibilities and obligations of various departments,strengthen information exchange and communication among departments;develop internal control management system of credit business,improve risk control of credit process;conduct employee training activities,stimulate their risk concept,create more professional risk control atmosphere,cultivate more talents,thus improve the quality of credit assets and ensure the security of credit funds of DL Branch.It is hoped that the results of this study can help commercial banks improve their ability of risk identification and continue to face market competition with a good attitude in the future.