Research On Credit Risk Management Of W Bank Under The Background Of Digital Transformation

With the development of Internet technology,large commercial banks are going further and further on the road of science and technology development,and the gap between small city commercial firms in marketing and risk management and other capabilities is increasing.As a large economic province,Shandong accounts for a relatively high proportion of traditional industries and has a wide range of risk areas,which poses great challenges to the credit risk management ability of local financial institutions.As the top three urban commercial banks in Shandong Province,Bank W has a certain market share in the province,but compared with excellent urban commercial banks in the province and excellent listed urban commercial banks in China,its advantages are not obvious both in terms of development potential and risk control.The main reason for this situation is less investment in digitization thus a single means of customer acquisition insufficient level of risk control,leading to the inability to accurately select customers,the increase of non-performing assets,and the gap gradually widening with banks with strong capital strength.Digital transformation is the choice of most financial institutions,and the traditional credit risk management mode of commercial banks will withdraw from the stage of history.Therefore,it is urgent for W Bank to consider how to build the digital credit risk management mode and break through the development bottleneck of W Bank.This paper studies the research on the credit risk management of W Bank under the background of digital transformation,using questionnaire,literature research comparative research,case analysis and other methods to deeply understand the credit risk management system of W Bank.Focus from the internal environment,risk identification risk assessment,information and communication in-depth investigation,thus found that the credit risk management backward credit culture,organizational structure is not sound,early warning system function is not strong,internal rating and five classification did not play a substantive role,combing the present situation of the credit business risk management,and for the cause of the cause analysis.To solve the problems existing in W bank credit risk management,put forward the following optimization strategy and safeguard measures:improve credit policy and customer access ability,rich risk early warningg system function strengthen the unified quota management,strengthen the management of internal rating,detailed asset quality classification,improve data management ability,etc.,and from the credit culture training,organizational structure reform,credit team construction,etc.,to promote the implementation of credit risk management strategy,put forward safeguard measures.It is hoped that through the above research and analysis,W Bank can give some help in the process of digital transformation,improve its credit management level,and help the construction of its digital bank.At the same time,it also hopes to provide reference for other urban commercial banks in the region,and the operation level and risk management level can be significantly improved to promote the healthy and orderly development of banks.