Research On A Bank Credit Loan Risk Management

Banking and other financial institutions must fully understand the important position and role of finance in economic development and social life,actively practice the political and popular nature of financial work,and promote the high-quality development of financial institutions.The subject of this research is Bank A,which is the only family-developed financial institution in our country.By the end of 2022,A bank’s assets will reach164,600 yuan.Accompanying the rapid development of the bank’s credit industry,ensuring the quality of assets with guaranteed quality and sustainable health development,comprehensive wind management and effective credit management are important factors.At the same time,there is a strong control tube in front of us,and there are problems and costs,and under the high pressure of heavy treatment,A bank must be kept in prison,the bottom line of the system that does not occur.development.Then from the credit bank,we will manage the entire flow of the credit,and the credit loan will be released to the "buying" part.Etc.Various management environment,number of productions,large management system,small management area,high concentration of wind points,etc.,special demand enhancement management,anti-wind.Because of the enthusiasm of the credit industry during the development process of the credit industry,there was a lot of trouble,and there was a lot of work,and there was a lot of work to be done.This paper mainly uses the risk management theory of the whole credit process and the financial risk responsibility management theory,organically combines loan management,risk management and liability management,and elaborates the overall status quo of A bank’s current credit and loan business and responsibility identification and investigation management,and combines a typical case of responsibility identification and investigation.This paper explains the specific methods of A bank to identify the facts of violation and dereliction of duty and accountability,points out the existing problems,and finally puts forward 12 specific risk management optimization plans from the four goals of improving the risk monitoring and reporting mechanism,promoting the construction of information system,strengthening the formulation and implementation of countermeasures,and strengthening the coordination with the regulatory authorities.