Study On Corporate Credit Risk Management Of Commercial Bank A

At the end of 2022,the Central Economic Work Conference was held in Beijing.With the relaxation of the epidemic,the state-owned economy and private enterprises have gradually recovered,and the demand for funds by various enterprises is increasing.Bank loan business is growing rapidly.Loan business is one of the three pillars of a bank,and it is also the basis for commercial banks to survive.In the face of the new situation of economic development,how should China’s commercial banks not only maintain a stable growth in the total amount of credit,but also improve the quality of bank credit assets and effectively manage credit risk? This is of great significance for promoting high-quality economic development and creating a good financial environment.Bank A is a joint-stock commercial bank with a good business foundation.This article takes the credit risk management project of Bank A as a case study,explores the current situation of credit risk management of Bank A through the credit admission process of Bank A to Company X,and identifies the problems in risk management and control of Bank A.Firstly,combing the advanced domestic and foreign bank credit risk management theories,and combining the existing credit risk management research of domestic and foreign scholars,lay a theoretical foundation for the analysis of this article.Secondly,through field research,analyze the current situation of credit risk management of Bank A,and study the existing risk identification and risk control mechanisms in its credit business.Subsequently,in the case analysis process,based on the evaluation model of Bank A,a comprehensive analysis of the credit process of Company X was conducted,and the Z-score model was used to test the results of the evaluation model to identify the problems and causes in Bank A’s credit risk management.Finally,the Analytic Hierarchy Process(AHP)is introduced to construct a credit risk management model,focusing on the management of key risk control issues in credit business and the improvement of standardized systems,and optimization plans and support measures for credit risk identification and response are proposed.Through the exploration and analysis of the credit projects of Company X by Bank A,it is concluded that the current evaluation system of Bank A cannot provide an early warning of the potential risks of credit subjects.It is recommended that Bank A increase investment in risk identification capabilities,credit management mechanisms,and risk control mechanisms,strengthen the entire process of credit management,build a scientific,first-class,and reasonable evaluation system,effectively reduce potential credit risks,improve asset quality control,balance the relationship between bank business expansion and risk control,and escort the social real economy while ensuring the safety of bank credit assets.