Research On Credit Risk Management Of Stock Mortgage Loans In Bank Of China Shenzhen Branch

Credit risk is the oldest risk type of bank institutions, which almost lives with the credit operations of banks. With credit operations types becoming more and more complex, in order to reflect and deal with credit risk well and truly, both the banks themselves and the supervision authorities need more effective credit risk management.In recent years, as the global financial market fluctuates more tempestuously, the bank is becoming more and more inclined to decrease credit loans in order to avoid the credit risk and assets-mortgage loans are getting more and more popular. Financial asset-based lending also has gained a lot of development. Stock mortgage loan which is one form of financial assets-mortgage loans faces more credit risk, compared with common loans. This article focuses on the study of credit risk management of stock mortgage loans in bank of china Shenzhen branch in practical, trying to find the problems and its solution.