Research On Credit Risk Evaluating And Controlling Of Jilin Branch Of AC Commercial Bank

Banking is a high risk industry and the financial turmoil sweeping the globe in 2008 seriously affected international financial development and also causecd China's banking industry facing an unprecedented crisis. At present, the international financial crisis has not completely disappeared and the domestic economy is facing slowing growth. In order to maintain financial system stability and ease inflationary pressure, the Chinese return to sound monetary policies, the CBRC continued to strengthen prudential supervision and banking business development of the external environment has undergone major changes.?World Bank data of the global banking industry show that credit risk is the main cause of bank failures, the bank's credit risk evaluation and control of the level of direct impact on the size of its credit risk, so how to improve the bank's credit risk evaluation and control of the level is a eternal theme of commercial Bank.Since 2010, domestic economic growth rate dropped and stabilized, prices continued upward, as recovery of the international economic, and in support of national economic policies and their own efforts, the commercial bank profit growth rebounded significantly. AC Bank is a joint-stock commercial banks listed in the credit business, it has made some achievements and its internal control system is relatively healthy, but there are still some risks and problems.?Jilin branch of AC commercial bank has an important place in Jilin Province sector, with continued economic growth in Jilin Province, the credit scale of Jilin branch of AC commercial bank continue growth. So the credit risk evaluation and control of Jilin branch of AC commercial bank is important in practiceThis article study Jilin branch of AC commercial bank, using risk management, internal control theory and method, analysis their credit risk evaluation and control problems, and learn from the advanced international interbank credit risk management experience, combined with its own actual situation, proposed policy recommendations to strengthen the level of Jilin branch of AC commercial bank's credit risk evaluation and control .?This study could help improve the bank's risk management, so as to achieve a good level of management control, while maintaining the rapid pace of development while ensuring the safety of their credit.This article is divided into five parts: The first part is an introduction, the article describes the background, significance and methods of research;? The second part reviewed the literature of the situation of the domestic and foreign commercial banks'credit risk evaluation and control;?The third part discusses the commercial bank credit risk evaluation and control of the theories and methods;?The fourth part analyzes the general situation of the AC bank, described the credit risk management of Jilin branch of AC commercial bank, and analyzes the existing problems;?The fifth parts proposed corresponding countermeasures, that improve the Jilin branch of AC bank's credit risk management philosophy and structure, improve the distribution system responsibilities and personnel policies, and improve credit risk evaluation methods and the key business areas to strengthen risk management.This study enriched credit risk assessment and control theory research of the commercial banks, deepen the level of credit risk on the branch of knowledge of evaluation and control, provides guidance on the credit risk assessment and control of the Jilin branch of AC bank. But also for other banks and other similar reference and reference departments.