The Analysis On Credit Risk Management In The ICBC Songyuan Branch

The development of the financial globalization has greatly enhanced the globalliquidity of the capital,and at the same time it also increase the the volatility offinancial markets.Due to this situation,the destabilizing factors become more andmore diverse and complex in the banking business process.With the overall openingup of China’s accession to the WTO and the financial sector,the impact on China’scommercial banks will become more and more obvious.To remain invincible in thecompetition,the commercial banks should make priority to strengthen their corecompetitiveness,one of the most critical points is the control and management ofcredit risk.According to the requirements of the New Basel Capital Accord andreferring to the experience of outstanding foreign commercial banks in riskmanagement, we can see that,improving the credit risk management system is thetop priority in the reform of commercial banks in China.In the year of2011,bad loan ratio and loans of China’s banking sector wereperforming an outstanding result,which remained a double down trend.What’smore,their credit risk management capabilities were also improve.After seeing thegood results,we must also be soberly aware that China’s banking industry will stillcome across with thousands of challenges, one of which is to further enhance thelevel of credit risk management.Therefore, to explore and discuss the credit riskmanagement of China’s commercial banks of greatly practical significance.For howto perfect our country commercial bank credit risk management system, and it is theurgent need of this discussion.In the first chapter, this paper starts analyzing from the related theory of moderncredit risk management,the concepts of credit risk management and a briefintroduction of its features. In the second chapter, introduced the ICBC Songyuanbranch business development situation, and to find the business development in the credit risk management problems;then it reveals the problem nowadays we ICBCSongyuan branch that we face.In the third chapter,it describes that the ICBCSongyuan branch are facing with the new challenges of changes in the lendingbusiness,diversified business models,large financial innovations and a higher capitaladequacy ratio in today’s environment. Later,then through studies our countrycommercial bank credit risk management present situation, according to the currentsituation analysis we find that the credit risk of commercial banks in China is stillgrim, compared with the excellent commercial banks overseas, we points out that thethere exist serious problems in current our country commercial bank,like,imperfectinternal management, supervision system,defective credit rating,backwardmanagement technology and management talents.In the last chapter,we put forwardsome corresponding countermeasures and suggestions to combat with the problemsaccording to situations of credit risk in ICBC Songyuan branch.