Loudi City Branch Of Agricultural Bank Of China Credit Risk Management Study

In recent years, there have been some new changes in financial situation in our country. The other state-owned commercial banks have appeared on the market, the historical burden of inferior loan has also been properly dealt with, and they have taken advantage of the reform in our country. Joint-stock commercial banks try their best to seize markets to compete against state-owned ones in talented persons and markets, and therefore it makes agricultural bank lose more and more superior credits clints constantly. The institution of bank superintendence is specially set up and financial superintendence is more strict, the banks bear more responsibilitirs for the credits risk management. In December 2006 all the financial markets in China was open to other foreign countries, and therefore, the competition is more fierce, the limited credits market has been progressively "carved up", so the pressure of credits risk management is higher than before. In such rigorous situation, the dissertation raises some improvement measures about the credits risk management of Agricultural Bank of China Loudi Branch(Agricultural Bank Loudi Branch for short)and tries to find out the way out from how to regulate the system of credits management by analyzing the present situation of its credits risk management combining my own working practice.The frame of the essay consists of six chapters. Chapters One is the introduction, it mainly shows the research background purposes, meanings and methods of the essay. Chapter Two introduces academic research schools of the theories of credits risk management of commercial banks in systematic banks in a systematic way. Chapter Three separately deals with the credits assets situation of Agricultural Bank Loudi Branch and shows us the main credits risk and the main problems that lies in credit risk management. Chapter Four clearly analyses external environment factors of credits risk of Loudi Branch and the internal reasons itself. Chapter Five is the core of this essay. It probes into the solutions to the problems and shows us the essential way out to solve credits risk, that is, to establish an standard and effective modern financial enterprise system. We should construct a good external financial credits environment by comprehensive utilization of administration, law and economy; also the bank should try to improve itself including improving systems of personnel matters check-up and encouragement; setting up excellent credits culture, reflecting deeply on the factors of system, attaching importance to factors of technology, setting up systems on guard and how to solve risk. At the same time, agricultural Bank should also try to construct a systematic project of the credits risk management. Chapter Six summarizes the main conclusion of the essay, and look into the future hopefully.To sum up, I think the main characteristics of the essay lie in the combination of my own practical experience in business operations and credits risk management with the analysis and research methods that I have learnt and mastered in the MBA courses. I have only made some relatively effective operational suggestions about the construction of the credits risk management system of state-own banks.