Research On Credit Risk Management Of L-BRANCH Of JT Bank

In today’s fast-developing market environment,financial activity leads to economic activity and financial stability leads to economic stability.Financial Security is an essential component of national security,yet finance has always been associated with risk.Under the current situation,commercial banks are facing fierce competition,meanwhile,they were affected by the diversification idea,the profit pattern has also appeared big change.The continuous creativity of financial products,as well as the transfermation of industrial structure have become the top priority in the credit optimization of commercial banks.As the credit business is still the main business of commercial banks,it brings profits to the banks,but it also brings risks.The level of credit risk management is related to the safety and profitability of the banks.Therefore,credit risk management is a problem that every commercial bank can not ignore.This thesis takes the credit risk administration of L-BRANCH of JT Bank as the research object,identifies and evaluates the risk of this particular bank,tries to improve the danger management level of L-BRANCH of JT Bank with effective risk control measures.Firstly,this thesis introduces the basic status,operation of the bank,main data target and credit risk management of L-BRANCH of JT Bank,and finds out the existing reasons and problems,and analyzes them very carefully.Then,it identifies the credit danger of L-BRANCH of JT Bank,mainly using the Delphi method to identify the credit risk factors,the frequency of risk factors and the degree of expected loss are estimated by expert grading,and the expected value is found,and the find risk list is established,which lays a foundation for the next evaluation.Thirdly,the credit risk of L-BRANCH of JT Bank Province is being evaluated,and the priority is selected according to the risk points.This thesis puts forward some countermeasures for the credit risk of the L-BRANCH of JT Bank:First,strengthening the credit risk management awareness of L-BRANCH of JT Bank;Second,improving the credit risk grading management of The Bank.Third,paying attention to the post-loan administration mechanism.Fourth,enhancing the credit risk early-warning system.Fifth,improving the building of credit risk personnel.It was hoped that the study of this thesis can promote the level of credit risk management of L Branch and provide some reference value for the establishment and improvement of credit risk management of commercial banks.