An Analysis On Credit Risks Management Of ICBC Shaanxi Province Branch

Bank credit risk management is the weak link in the financial work of our country. For Industrial and Commercial bank of Shaanxi province branch, the high bad loan rate and low operation efficiency is the centralized reflection of credit risk management problem. The p urpose o f this p aper is t o re search how to improve and perfect credit risks manage system under present system environment.This paper apply the knowledge principle of management,finance, organize behavior and statistics etc, pays equal attention to the theoretical research and positivism analysis, and adopt the method of qualitative analysis and quantitative analysis on the research of problem. Firstly, through reviewing the development of domestic and international commercial bank credit risk management theory, according to the practices of shaaxi province branch, this paper analyse the major problem exist in credit risk management and the reason problem produces. Thorough analysing, The paper points out the major problems that exist in credit risk management are: Credit management efficiency is low, risk undertake main part illegibility cause risk consciousness deviation, loan quality classfication has obvious mistakes,the administrative lag of risk quantification, credit management system need to perfect further. The source of existent above-mentioned problem lies in: management level is not high, existent knowledge deviation on the relation of handling business development and risk control, credit management and interior control mechanism is not healthiness, credit operation is non-standard, credit people quality is not high, risk consciousness is not strong. Secondly, the paper point out, in order to improve credit risk management, Shaanxi province branch needs follow management pattern centralized, flat, specialization principle, credit schoolwork standardization principle, risk appraisement qualitative with quantitative analysis combine together principle. Improvement methods include: build whole course and all-around risk management system, raise risk management scientific level, innovate management means rely on IT. Finally, according to above-mentioned principles and methods, the paper discuss the specific measures of improving and perfecting the bank credit risk management system from 6 aspects: adjust credit management organization structure, rebuild credit management process, select suitable risk measure method, optimize credit asset quality appraisement system, establish scientific risk pre-alarm system, reinforce credit risk management information system construction.Integration of theory with practice, the improvement measure above-mentioned has strong realistic guidance meaning for Shaanxi province branch to improve its credit risk management system, it has also reference role for other bank's credit risk management.