| In recent years,with the continuous improvement of China’s economic system and the deepening of reform and opening up,the country attaches great importance to financial security.As an important part of the national financial system,the stable development of commercial banks and the level of risk prevention and control have an important impact on financial security.As a commercial bank with the characteristics of The Times,SPD Bank will also face development problems represented by credit risks in the process of rapid development of credit business.Therefore,based on the credit risk management and control of Wuhan Branch of SPD Bank,this study conducts a comprehensive analysis from the perspectives of credit risk management and puts forward suggestions on risk management and business optimization,so as to improve the credit risk management level of Wuhan Branch of SPD Bank,reduce the credit risk of Wuhan Branch of SPD Bank,and provide guarantee for the future development of the bank’s credit business.This study first reviews the theoretical views of domestic and foreign scholars on financial business and risk management,which provides reference for the following research on credit risk management.Secondly,this study takes the credit risk management of Wuhan Branch of SPD Bank as the research object,further combines the semi-structured interview research method and questionnaire survey method to obtain the relevant situation of credit risk management of Wuhan Branch of SPD Bank,and on this basis,analyzes the problems and causes of the problems in the risk management mechanism of the bank.Thirdly,it is found that there are still some problems in the credit risk management of Wuhan Branch of SPD Bank,such as imperfect risk assessment mechanism and insufficient credit risk management level.Finally,this study clarified the optimization principles and objectives of credit risk management of Wuhan Branch of SPD Bank,and put forward strategies such as optimizing the credit prevention and control management system and perfecting the credit evaluation mechanism,so as to improve the credit risk management level of Wuhan Branch of SPD Bank.It is hoped that this study can provide feasible suggestions for the credit business risk management of Wuhan Branch of SPD Bank,and at the same time provide some reference for domestic city commercial banks to improve the level of credit risk management. |
