Quality Management Tools Based On The Credit Risk Management Of Communications Baotou Branch

The business features and key position in the national economy in a country of these banks led to these banks being provided with the hidden and diffusion characteristics. Once the risk convert to loss of reality, it will not only lead to the bankruptcy of banks, but also hurt the national even global economy. In recent years Breaking out of the economic crisis has fully verified it.The main business of our national commercial banks is operating traditional deposit and loan business, so the main risk is the risk of credit assets for our banks. In the modern credit risk measurement model study, many national scholars study foreign risk assessment methods, and empirically research for trying to find a suitable model of the modern credit risk measurement for China. Now in the bank and financial services, the using of quality management tools have not yet taken seriously enough. In this paper, first we using controlling chart , combine with these features of credit risk and the status of Baotou Bank, and by observing the main indicators of risk to achieve timely detection and early warning purposes.Combining with the experience of the Baotou Branch Bank and referencing to the existing credit management system for small business, we selected four key financial indicators for analysis. Key Indicators are divided into growth indicators (net income growth), profitability ratios (revenue yield, return on assets), turnover ratio index (number of days accounts receivable turnover, total asset turnover) and the liquidity ratio index (current ratio, quick ratio).The SMEs are the main customers of the Baotou Branch Bank, so although selecting the SMEs in Baotou'city as the samples involve number of indicators, but does not exist the problem on the working procedure of the processing on the impact of the next process. The most basic control chart of quality management tools can be shown more intuitive.The control chart has been used in the field of process control, process control is the basic method, this paper tried to use the control chart in the enterprise financial indicator analysis, so through it the banks can determine enterprise performance, can make monitoring and early warning to the customers which have loans, can amendments to improve the credit approval credit assessment standards and systems for the being approved credit customers, and constantly pay close attention and identify potential credit customers. Overall, control charts to monitor financial indicators are strong feasibility and the applicability method.