Research On The Credit Risk Management Of QLB Bank

With the continuous improvement of the socialist market economy,the rapid development of my country’s financial market and increasingly fierce competition are both an opportunity and a challenge for my country’s commercial banks.Since the profits of my country’s commercial banks mainly come from the deposit and loan spreads,and in recent years,the economic development is facing downward pressure.Credit risk has become one of the most important risks faced by my country’s commercial banks in the development of commercial banks.How to control and manage credit risks has become an urgent need to solve problem.City commercial banks are an important part of my country’s commercial banks.Due to their relatively small scale and the constraints of historical issues,there is still a big gap in the level of risk management compared with large national joint-stock banks and foreign banks.City commercial banks,especially in credit management,have less experience,lack of professional talents,and relatively inadequate technology.They need to continuously optimize their credit management level.Therefore,this article combines the actual situation of QLB Bank’s own development,draws on relevant domestic and foreign risk management experience,and explores the actual credit risk management methods of QLB Bank.Based on the systematic study of the theory and practice of credit risk management at home and abroad,this paper adopts case analysis,investigation and research methods and modeling analysis,according to the actual situation of QLB bank credit risk management,combined with comprehensive risk management theory and information asymmetry theory,Basel Accord-related theories and regulatory requirements,the QLB bank credit risk management has been systematically analyzed.The thesis is mainly divided into three parts.The first part introduces the current situation of QLB bank credit risk management,from the three aspects of pre-loan management,in-loan management,and post-loan management,analysis of existing problems and reasons.The second part proposes corresponding countermeasures and suggestions based on the current situation and problems of QLB bank credit risk management in the first part: use the RAROC model to analyze loan access,strengthen pre-lending investigations,optimize in-lending reviews,and strengthen post-lending management to conduct comprehensive risks management.The third part proposes three safeguard measures for QLB bank credit risk management: talent guarantee,cultural guarantee,and system guarantee.Through the analysis of the current situation and reasons of QLB credit risk management,the optimized countermeasures and safeguard measures are proposed,which have practical guiding significance for the credit risk management of QLB bank,and also have a certain reference effect for the credit risk management of other banks.