Corporate Credit Business Processes And Credit Risk Management Study

Bank credit is the basis of its existence the industry.High debit and high risk are the features of the bank.Risk management skills illustrates whether the bank has core competencies.Currently Chinese commercial bank faces credit,market and operations risks. Because our bank's main asset is credit and income is mainly from credit interests. Therefore credit risk is the main risk among all.Risk management of credit becomes the core business of a bank.The theory of credit risk management and methodologies varies.Credit business procedure controlled credit risk management is an important credit risk management method.The design and improvement of credit risk management has become the crucial element of a good performing bank.This report introduces the theory of credit risk management,combining the prevailing corporate credit business process, and conducts in-depth analysis of credit business procedure controlled credit risk management.It provides suggestion and hopefully it serves as the recommendation. for the enhancement of commercial banks credit business.This report consists of three parts:the first part systematically introduces the theory of credit risk management and current risk management status,and introduces the importance of credit business procedure controlled credit risk management.The second part introduces the corporate credit business process management.The third part conducts in-depth analysis of the prevailing corporate credit business procedure; summarizes the exiting problems and reasons and provide recommendations.Through the prevailing corporate credit business procedure controlled credit risk management,the report concludes:from credit risk management perspective,the current corporate credit business procedure has its problem in its layout and execution. the main reasons come from discrepancies in the credit management mindset, structure,system and resources planning.It is suggested to change the credit management mindset,improve organization structure and operating system,and enhance business operations in order to improve the credit business procedure,so that to improve credit business management skills and ultimately strengthen the bank's core competency.