Shenyang Branch Of ICBC Credit Risk Management Stauts And Countermeasures Research

This paper explains the concept and characteristics of credit risk, discusses thecontent of credit risk management and credit risk classification, analysis of China’sstate-owned commercial bank credit risk characteristic, then this paper furtherdiscusses our country state-owned commercial bank credit risk control method. Afterthat, this article analyzes Shenyang industrial and Commercial Bank of China of thepresent situation of credit risk management, introduction of a regional branch of thecredit risk management of the basic situation, through the method of interview to theICBC of the credit risk management problems and the reasons for research, finally,the ICBC of the credit risk management problem and reason, put forward to creditrisk management strategy conception. This paper draws the following conclusions:First, The ICBC of the credit department staff interviews and investigation andanalysis of current practice,ICBC in the loan before the main stage has professionalproject personnel lack, ignore the customer risk assessment, assessment of one-sidedand deviation problem, review the borrower eligibility strictly. In the loan in stages,ICBC exists mainly to expand market share and blind loans, overemphasize the loanproceeds, ignoring the second source of repayment of the examination work, canquickly implement the loan conditions and individual credit personnel occupationmoral awareness needs to be improved. In the loan after the stage,ICBC of the mainexistence does not understand the customer repayment power changes in the laterperiod, fulfil the security procedures inadequate, afraid of bad loan exposure, creditarchives management does not meet the requirements as well as no timely action andaction problem.In second, the ICBC of the credit risk management existence question reason analysis, ICBC credit culture and socialist market economy is not compatible, creditrisk management system is not scientific, existing laws, lax enforcement of thesituation, the bank risk control system needs to be improved, the existence ofgrass-roots disorderly competition and borrowing management responsibility andright consciousness is unscientific and other reasons.In third, faced with the ICBC of the credit risk management problems and thereasons, ICBC of the construction of credit risk management mechanism ofcomprehensive management, implementation of integrated risk management, creditrisk management organization reengineering and process system, build good creditculture, establish scientific performance incentive mechanism and optimize the creditrisk early warning management system...