Study On Censorship Strategy Of Credit Risk Control In Guangfa Bank, City S

Credit Review is a very important work in credit business. It is of significance to prevent credit risks, optimize asset allocation, adjust customer structure and implement development strategy of the bank. The importance of credit review is reflected in its responsibility. The risk management and business operation of a bank is directly influenced by its credit review. The absence or weak credit review may result in a deterioration of the quality of bank's asset, burst of credit risk, or even bankruptcy if bank cannot resolve these fatal crises.The purpose of this study is to understand the content of credit review, which includes its rules and regulation, infrastructure, the quality of credit officer team and their business quality. The research of the operation of credit approach is helpful in discovering problems, in optimizing the existing approach that better cope with social, economic and culture needs and therefore, improving the risk management, core competitiveness of the bank and maintain a sustainable development.The essay covers four chapters. Chapter I Preface is about the background and meaning of the thesis and a general introduction of credit review, risk control tactics of the bank and methodology and framework of this essay. Chapter II is about risk control theory, explains the definition and classification of commercial bank's risks, analyses the reasons of credit risks and necessity of risk control, introduces preview of loan granting and compared domestic experiences with that of international one. Chapter III is about characteristic and defects of credit review of Chinese banks. It focus on the analysis of the credit review and credit business of GuangFa Bank in City S and its problems in credit review and infrastructure. Chapter IV raises suggestion of improvement in infrastructure and management system for GuangFa Bank, redesigns its process of credit risk control and analyses the effect of the improvement. The last part of the chapter is the conclusion of previous chapters.This essay is based on GuangFa Bank, which locates in China's economic advanced region where is characterized by its internationalism and modernism in financial environment and banking industry. The suggestion of improvement and conclusion may be used for reference for other small and medium-sized commercial banks in credit review and risk control. The review of bank credit is most important work, wh i ch is an important part of to guard against credit risk, bank asset allocation optimization, Customer structure adjustment and implementation of banking development strategy.