Research On Credit Risk Of Construction Bank Bayannaoer Branch And Its Countermeasures

Credit as the main business of domestic commercial banks. In the beginning, along with the risk, the credit is as the key link of economic entities.Whether effectively avoid credit risk is an important content of economists from home and abroad which has been concerned. According to the four major state-owned commercial banks and joint-stock banks annual report data,which shows credit income accounted for about 59.3%of the total income of commercial banks. So if there are something wrong with this part, it will cause a big loss to the banking industry itself or the national and global economy. The main process of credit business is consisted of three processes, due diligence before loan and department coordination, as well as the loan principal and interest of the recovery.How to ensure effective operation of three links and complete convergence for the loan.Credit business of this paper is divided into five parts, the first part is the introduction, which mainly introduces the research background, research significance and research methods, summarizing the main points of domestic and international scholars. The second part from the rate of non-performing loans, credit capital is too concentrated, three angles of imbalance and long-term loan ratio of the existence of the Bayan Nur branch of the Construction Bank credit risk. The third part from the bank itself, as well as the bank’s external two points of view of the reasons for the second part of the problem, these reasons for the development of banks in the future is the need to be concerned about. The fourth part from the foreign banks to give us the experience and Revelation of the two aspects of domestic banks and those parts can be improved, as well as the future development goals. The last part, from the improvement of the credit process, accelerate business transformation, and create a more professional credit team Three aspects to solve the credit problem of current.The Bayan Nur branch of China Construction Bank plans to follow the requirements of credit risk management and to continuously perfect the system of their own business. With the rapid development of Bayan Nur, but at the same time, there are also some problems which are exposed. this paper is based on credit business situation of the Bayan Nur branch of China Construction Bank, hoping to perfect the data collection and the related issues research about credit, and putting forward to effective suggestions to the further credit system.