Research On Credit Risk Management Of Commercial Bank Manufacturing

Manufacturing industry is the pillar industry of the national economy, its development directly affects the development of various sectors of the national economy. It is the main driving force in the process of economic development in China. The capital of manufacturing industry is more intensive, and the investment cycle is long. Financing from commercial banks become the main source of funding, so the financing of the manufacturing industry in the commercial banks’ loans in an important position and has the higher proportion of loans. But in recent years, as a result of the financial crisis, China’s economic growth is not satisfactory, the Chinese economy into the down link channel, especially manufacturing industry has been a serious problem, the manufacturing industry production capacity excess and commercial banks in the manufacturing of non-performing loans rate is increasing year by year. A bank in the manufacturing sector credit non-performing loans have been at zero level in recent years. The research of credit risk management in the manufacturing industry has important significance.This paper selects the A Bank as the research object, based on the analysis of the credit risk theory of manufacturing industry, Through the analysis of the characteristics and measures of credit risk management of A bank, reveal the successful experience of effective risk management. This paper is divided into five parts:The first part introduces the research background, significance, research methods, research results and the main content of this paper. The second part describes the concept of credit risk in manufacturing industry and the characteristics of credit business and some theories of credit risk management such as bank -- customer relationship theory, financial fragility theory and credit theory. The third part of the paper first introduces the current development of industry and the current development of the credit business in manufacturing, then we describe the existing problems in credit business of the commercial banks and explain the problems existing in the development of the manufacturing industry of the credit business of commercial banks in three aspects such as from internal particularity and commercial bank internal and external economic environment, the manufacturing industry itself has the problem, the fourth part is the core content.through analyzing the development of the A bank, we can know specific measures analysis to control credit risk:the effective screening of a bank credit customers, build specialized financing scheme, set up strict internal control mechanism and loan approval process and reveal the success against manufacturing industry credit risk. The fifth part is on the basis of the analysis about the first four parts, from the implementation of customer comprehensive development mode, establish a sound internal control mechanism, the establishment of credit risk management professional team put forward to the Commercial Bank of our country manufacturing industry credit risk management advice.