Tieling S Bank Credit Risk Prevention And Control Research

In recent years Tieling S bank through a restructuring after the vigorous development, business sort to increase ceaselessly, enterprise dimensions expands ceaselessly. But along with the rapid expansion of business enterprises, the existing risk control management system already can not adapt to the ever-changing business environment, not to the new loan business risk to make effective prediction and prevention, leading to S bank assets safety problem, restricted the development of the enterprise. In view of this, this paper aims at the several typical loan case spread risk evaluation and analysis. And summarizes the effective reduce credit risk for S bank steady management, asset security and profitability of the negative effects of the reform proposal.This article take the Tieling S bank credit risk control problem as the research object, combined with the domestic and foreign existing credit risk control theory and research results, in order to personally involved in the processing of Tieling S bank loan project as a case study, the use of years of bank loan risk management experience, to the Tieling S bank original credit risk identification, assessment and control measures the validity of. Through to the Tieling S bank in several different types of high risk credit case of pre-loan investigation, credit risk control, the loan after the disposal of non-performing assets and other risk control measures to analyze, evaluate the effects of the credit assets safety factors; evaluation of the existing risk control mechanism is effective;analysis of the bank credit risk prevention and control the system flaw and the insufficiency. On the basis of this, according to the Tieling S bank current operation and development of the economic environment and credit assets risk prevention and control of the objective reality, combined with enterprise management theory of knowledge, from perfect credit risk prevention and control institutions; improve the credit risk control system is established and fulfil;to establish risk control as the core of enterprise culture in three aspects the idea of Tieling S bank to improve the existing risk prevention and control system is proposed. Expectations of Tieling S bank based on the three aspects of improvement, improve the prediction, prevention and control of credit risk and disposal of bad credit assets, and then for the further development of enterprises in the field of prevention and control of credit risk and build a valid defense barrier.