Research On Statistical Measurement And Prevention Of Credit Business Risk Of Agricultural Bank Of China Branch

With the rapid reform of China’s financial market and the continuous development of the financial system,banks are faced with unprecedented challenges in the credit market.Enterprise lending has gradually become the top priority to overcome business bottlenecks and development constraints.However,at present,there is still insufficient risk management in the credit market of commercial banks.With the continuous promotion of big data loan products,more and more new risk points are discovered,and commercial banks will face more difficult challenges,especially in credit risk management.In order to promote the development of commercial banks and local enterprises,it is urgent to further study and obtain bank credit risk management strategies.Therefore,this thesis uses the methods of literature,case analysis,analytic hierarchy process and statistical model,based on the comprehensive risk management theory and risk management framework,from the perspective of applied research,a series of studies have been carried out around the current credit risk management system of banks.In order to strengthen the pertinence of this study,this thesis carries on the analysis and research through the case--A branch of Agricultural Bank of China.First of all,on the basis of combing and drawing lessons from the advanced theories and successful experiences of the business asset credit system at home and abroad,the credit risk of domestic and foreign commercial bank customers is analyzed in detail,and an objective evaluation is carried out.to provide a theoretical basis for further improving the credit risk management of banks.Secondly,it shows in detail the different processes of the current credit business of Branch A,and clearly reveals the risks in the credit transaction from the customer,the bank and the other three levels.Thirdly,establish the credit business risk evaluation index system to dig out the risk factors in the credit transaction of Agricultural Bank of China,and carry on the risk assessment.Finally,the conclusions are as follows:(1)there are some problems in pre-loan risk assessment in A branch,such as the formality of pre-loan investigation,the singleness of pre-loan risk assessment system and the deficiency of loan review system.(2)Bank A has deficiencies in risk management during and after loans.for example,the foundation of credit practitioners is weak,the professional quality of credit risk management personnel is low,lack of credit risk awareness,weak risk identification ability,weak and conservative regulatory means.In view of the problems existing in the above case banks,this thesis puts forward,including the internal organizational structure,forecasting the market trend,pre-loan work setting,risk classification,credit guarantee measures and so on.This study deduces the overall development plan and optimization plan at the meso and macro level from the specific development measures of micro individuals,and puts forward measures and policies to avoid bank credit risk,so as to provide reference for bank credit risk management.therefore,it can be used as a reference for the credit risk management of commercial banks with common problems.