Research On Credit Risk And Control Of Agricultural Bank Of Ordos Branch

Erdos private lending prevalent issues and risks inherent in private lending continued to increase, a number of social events which triggered a vicious banking is also worth pondering and given high priority. In recent years, the full collapse of private lending capital chain to Ordos City banking unprecedented crisis of confidence head, plus the vicious cycle of the real estate in the state’s macro-control continues to decline, making the risk of commercial banks in Ordos City in the economy continues to decline even more difficult to control. And how smoothly through this difficult single-plank bridge, squeeze down a competitor success has become a major commercial banks competing considerations, no doubt, only one answer, and that is to strengthen risk prevention as soon as possible. Survival is important, but the nature of the problem of development is to survive, Ordos City branch of the Agricultural Bank of China based on the increasingly diversified and complicated financial environment, in Ordos City, a full-blown financial crisis as the background to a stable and efficient development model Target, eager to explore an innovative way to the Risks. Therefore, a large branch of the Agricultural Bank of Ordos corporate credit business not only has a theoretical research value and practical significance.In this paper, the current financial market Ordos City actual case basis, Ordos City branch of the Agricultural Bank continued analysis of risks as a means to relevant issues and loopholes which was revealed as the basis to explore more viable more standardized risk prevention measures to target extensive and meticulous research. During the analysis the author to provide a better reference for the Agricultural Bank Ordos City branch as the goal, extensive collection of important steps the industry in terms of risk prevention for comparison reference. I believe that only from the following aspects in order to effectively improve the bank’s large corporate credit business in risk prevention, the first is the increasing intensity of market research analysis, planned, targeted for their financial product classification, and the second is the right medicine for different customer groups, to be recommended, and the third is to refine the risk prevention mechanism, and the fourth is the use of actual cases to improve every aspect of the employee’s credit risk management and control concepts to internalize risk control awareness in the heart. In addition, highly concentrated form of loans is a big hidden branch of the Agricultural Bank of Ordos risk, timely adjustment of the object loans, and work well in advance of the survey rating, multi-angle, multi-level guarantee effective grant funding and liquidity, the only way to ensure the Bank of China branch in the Ordos City, fierce competition and come out on top on the path of sustainable development.