The Research Of Credit Risk Management Whole Process Of Bank Of China Shaanxi Branch

As the constantly improvement and development of socialist market economy, the state-owned commercial banks gradually moving toward the road of reform of the shareholding system in order to adapt to market changes. Bank of China was approved as joint-stock commercial banks and successful listed in August 2004. It is a big problem facing the Bank of China how to improve the effectiveness and maximize the interests of shareholders after listing. Loans of the Bank of China is still the major source of profits, but due to the low level of credit risk management, there are a lot of non-performing loans which has not been basically checked, and the operating mechanism behind the credit markets can not meet the needs of rapid economic development. It is the focus of this paper study how to improve credit risk management of Bank of China Shaanxi Branch.Based a large number of documents and the actual research, this paper takes the entire process of credit risk for the study, and discusses the investigation before the credits, loan review, credit risk after the inspection process. First of all, this paper makes a in-depth understanding and analysis of bank loans risk management status and problems of Bank of China Shaanxi Branch, and found that the balance of non-performing assets of China Shaanxi is too great, rate of bad credit assets is too high, loans are mainly distributed in long-term loans, and the banks operating efficiency is low. Credit risk in the entire process includes credit risk, operational risk, market risk and the risk of moral hazard, and other types of risks. Second, this paper states risk management countermeasure and suggestions before the credits, in loans, and after loans against the existing problems; Finally, this paper concluded five suggestions that strengthen the entire process of credit risk management of Bank of China in Shaanxi.Through this research, in the hope that haves a good combine between theoretical knowledge with practice, and makes a certain useful guidance for the entire process of credit risk management of Bank of China Shaanxi Branch.