Credit Risk Management Measures And Technical Research Of Agricultural Bank Of China

Financial institutions especially commercial bank, because of its special role inthe national economy, its business to the quality of the economic development ofdefining and not having a major impact. And for commercial Banks have the biggestimpact on its way to the risks of management problems. In the United States for thecollapse of lehman brothers of the beginning of the2008financial tsunami, in a veryshort period of time to the world and the financial institutions had a serious impact,this makes people again to bank risk-taking and risk management attention problems.And in the bank faced all kinds of risk, the biggest impact of bank credit risk and riskway. Can say commercial bank credit risk management affects not only commercialbank's income, the success or failure of the commercial Banks have the influence ofcannot be ignored.Credit risk to the bank is facing the main risks, of course, the Banks themselveswill face some other risks, such as, market risk, operation risk, etc. The definition ofcredit risk is: the bank will loans on after the borrower, the borrower because all sortsof reasons for not on time or interest to the bank debt and bring the risk of loss. Thecharacteristics of the credit risk can be divided into the following several aspects.(1)credit risks of objectivity. Can say, the credit risk of commercial Banks is objectiveexistence, it is not the will of the people as the shift, as long as the bank creditactivities, credit risk has always been there, but with the improvement of managementand management means progress is it can decrease the continuous;(2) the result ofcredit risk. The banking industry is an establishment in application on the foundation of the industry, this determines the credit risk with strong radiation.(3) credit riskcontrol. Credit risk, though not eliminate but is can to a certain extent to control, suchas through the perfect management system, through the reasonable use some financialtechnology measure and so on, by these ways, the bank is to credit risk effectivemonitoring and control.This paper, from the financial management system and the application oftechnology two aspects to the agriculture bank of China credit risk managementproblem analysis and explanation. In the organization structure, this paper a dividedinto four chapters. The first chapter for the introduction, this paper introduces thebackground and significance of the subject, and analyzed the domestic and foreigncurrent in the credit risk management of the research results of the opposite. Thesecond chapter first analysis of the agricultural bank of China credit risk presentsituation and the existing problems, and then from the analysis of the reasons of theformation of the credit risk, in the analysis of the reason for credit risk, which isdivided into from the bank loan from internal cause and external cause analysis of theenterprise. In the third chapter analyzes the agricultural bank credit risk managementmeasures. Will the agricultural bank risk control measures are divided into based onenterprise internal control and risk management measures based on enterpriseexternal management risk management measures, and analyzed the differentcircumstances in the agricultural bank risk management measures. The fourth chapterbasically from the financial technology application aspects of agricultural bank creditrisk management problems. In this one by the financial technology is mainly two, onefor VaR, one for pressure test. This is the banking and financial industry the mostcommon measure of risk technology. VaR mainly used in steady economic period,and the stress test is mainly used in the larger economic fluctuation period.Through this research found that, in the credit risk management of agriculturalbank still more important to management measures is effective, especially by using two kinds of technical means for the Agricultural bank credit risk for study thatagricultural bank of the ability of the risk is stronger.