Research On Emergency Management Mechanism Of B Bank In Corporate Credit Business Under Sudden Public Health Events

In the current complex security situation at home and abroad,the difficulty of risk prevention and control of various security risks has increased,and sudden public health events are prone to occur frequently.China is at a critical period of economic transformation.Under the influence of the changing international situation,the prevalence of infectious diseases,and the poor public health environment,economic development and social stability are constantly being tested.At the same time,the downward pressure of the global economy is highlighted,financial regulation is becoming increasingly relaxed,and financial reform under digital transformation is imperative,making the operating environment of the banking industry constantly changing and risk control work is full of difficulties.It can be seen that the prevention and control of sudden public health events will still be the main topic of banking industry development in the future.Commercial banks occupy a dominant position in Chinese banking industry.Faced with the huge economic impact of sudden public health events,the risk control of commercial banks is even more urgent.Corporate credit business,as one of the main businesses of commercial banks,is also a high-risk area.Therefore,it is urgent to improve and enhance the risk control ability of commercial bank’s corporate credit business.This author adopts the research method of case analysis,taking B Bankas the research object,combing the existing framework of commercial bank’s corporate credit business emergency management system,proposing an emergency management mechanism of information system,decision system and execution system in a progressive manner.Based on the theories of emergency management,comprehensive risk management,4R crisis management and digital technology,the author focuses on interpreting the supporting policies for corporate credit during the epidemic period,and concludes that there are the following problems in the emergency management mechanism of B Bank B’s corporate credit business under sudden public health events: first,the loan risk has increased sharply and the pressure of emergency management has doubled;second,the warning management of credit customers is lagging and lacks timeliness;third,the power of digital construction is insufficient,which cannot realize efficient emergency management;fourth,the information sharing system is not comprehensive and the information channels are not smooth;fifth,the depth and breadth of emergency drills are insufficient;sixth,the emergency coordination mechanism is not perfect.In order to improve the emergency management mechanism of B Bank’s corporate credit business under sudden public health events,the author proposes optimization measures from three aspects: information system,decision system and execution system.Firstly,the information sharing system and emergency coordination management mechanism should be perfected;secondly,the risk warning mechanism should be optimized and the risk of “non-contact” loan should be resolved;thirdly,the digital emergency management system should be built,the emergency drill management and business continuity management should be strengthened.At the same time,in order to improve the feasibility of optimization measures,crisis culture,internal control system and evaluation mechanism should be used to assist.The results of this study have practical significance for the implementation of the emergency management mechanism of B Bank’s corporate credit business under the background of sudden public health events.