Prudential Bank Hangzhou Branch of Credit Risk Management
|School||Central South University|
|Keywords||commercial bank credit risk management|
With China’s accession to the world trade organization, the further economic reforms marketization, China’s commercial Banks also began to implement share-holding system reform, the falling of bad loans, the rapid expansion of loan base, and the long-term trend on loans are gone over commercial bank credit risk. Moreover, with the abolishment of the limitation on foreign Banks’RMB business, domestic commercial Banks will face unprecedented shock. Strengthening research credit risk management, improving the commercial Banks to credit risk identification, control, disposal ability, all above are very important to resist credit risk and improve bank credit assets quality and realize stable operation.This article from the commercial bank credit risk, according to the relevant theories of the bank credit assets losses caused to the different risk events that the credit risk classification, then according to the particularity of the banking industry and the actual situation in our country, puts forward Hengfeng bank in Zhejiang Hangzhou branch for small and medium-sized enterprise bank credit risk management of necessity. Although our bank credit risk management in adopted a series of measures, but the quality of our credit assets still worrisome. Credit risk management is a complicated process, we should according to various sources of information, the good access terminal, in advance to identify risks source, risk scope, risk degree and risk trends and issues corresponding risk warning signal, through a series of technical means for the credit risk control. Therefore, what our country do on credit risk identification, warning, measuring, prevent and dissolve is a very important process, passes through in the entire loan. The risk for various causes, adopt corresponding credit risk control technology and measures, and combining the actual situation of our improvement Suggestions were proposed, through research we can maximize reduce credit risks and improve performance.