Postal Savings Bank Of China Shenyang Branch On Wanda Group Credit Risk Control Issues

Corporate credit business of commercial banks is an important business assets, isthe commercial bank profits of the most important ways, but also the existence ofvarious uncertainty risk. Whenever funds safety for each commercial bank is essential,as the commercial bank and the fundamental survival, on capital operation to ensurethat the bank job in a matter of primary importance。In recent years, commercialbanks based on the high rate of non-performing loans, enterprise in violation of theprinciple of honesty and credit to provide false information fraud cases it is oftenseen., commercial bank capital security has been seriously threatened. Therefore, thecompany credit business may exist in risk identification, prevention and defusingbecomes commercial bank credit operation process must first face and grasp the keylink. This article through the postal savings bank of China Shenyang City branch ofWanda Group company credit business process as an example, From theidentification and determination of credit risk potential links and establish aneffective early-warning mechanisms, as well as on the commercial bank credit riskaversion and a series of aspects of the commercial bank credit risk control measures，In order to promote the commercial banks to guard against and dissolve the credit riskmeasures, will be a commercial bank to bring losses to a minimum, to realize ourbank credit business security, liquidity and efficiency of a unified.The article mainly includes three parts: firstly, through to Wanda Group creditprocess is briefly introduced, analysis and points out that this kind of business risks,and these risks can be divided into three levels, Namely enterprise oneself dimensions,bank management level and the risk assessment and measurement level; secondly, onthe above risk causes are analyzed and discussed, mainly from the enterprise external causes and the project itself causes two aspects described; finally, draw lessons fromthe previous business experience, combined with the pen business characteristic, putforward effective methods and measures to guard against such risks, Through theestablishment of project early warning monitoring index, strengthen the credit amountand project classification management and closely regulated credit flows andmisappropriation of funds and other means to guard against real estate credit systemand non system risk.The economic management theory as a guide, which relates to a specificresearch method is the use of a combination of qualitative and quantitative analysismethod, Describe the problem found, analyze problems, to solve the problem of theprocess and the mentality, and is matched with the corresponding tables and picturesto illustrate possible vivid, easy to understand, the credit process can stick out a mile;and the use of empirical analysis, that in my line of Wanda Group company creditbusiness of the whole operational process of main introduction two method usingalternating of company credit risk control of.Finally, for the entire study process of summing up, pointed out the corner pastarticle writing style and features in the different place, also pointed out the limited tothe academic attainments and reading knowledge caused limited articles largely stillexist many deficiencies. I only hope by this article, and to the industry of mutualexchange of ideas, learn from experience, if can be opposite colleagues engaged insuch business to use more feeling is not honoured. The study on this problem is notgoing to stop here, in future work with contact business scope is more extensive andin-depth, will continue to fill and perfect this one problem framing and details.