Rearch Of The Z Branch Of The Agricultural Development Bank Of Improving The Management Of Commercial Credit Risk

The commercial banks are the core of the modern financial system, plays an important role in the development of the national economy, since the outbreak of the financial crisis in2008, hundreds of banks facing operating difficulties or even bankruptcy, an important reason for the credit risk management problems, therefore strengthen the study of the bank’s credit risk management is not only conducive to the healthy development of the bank but also crucial to the development of a country’s economy。The Z branch of the Agricultural Development Bank as an important policy banks, with the continuous development of China’s market economy is no longer simply business the policy credit business, but also more and more involved in ordinary commercial credit business, how to effectively manage Commercial credit risk is a major issue in the Z branch of the Agricultural Development Bank need to be resolved。Ask questions-analysis of the problem-to solve the problem of logical thinking, learn the basis of the analysis of domestic and international credit risk management research, combined with the current operating status the Z branch of the Agricultural Development Bank, proposed agricultural issued by banks in the credit risk management the problems of credit risk management, organizational structure, processes of credit risk, credit risk management methods for further analysis, and the reasons for these problems, and to solve these problems, compared with foreign banks from four aspects, design the Z branch of the Agricultural Development Bank change program。Smooth progress of these programs at the same time submit a specific implementation measures。The author has more than a decade of work experience in the Z branch of the Agricultural Development Bank。With research and analysis, and expect to give the credit risk management of the Z branch will bring some theoretical guidance and reference line of credit to the branch a whole new awareness and understanding of risk management。Agricultural Development Bank in order to reduce the risks arising from the blind credit to the Z branch of the Agricultural Development Bank credit risk management, steady, sustained, long-term development of reference。Finally, it is clear the direction of development in the bank’s credit risk management proposed to optimize and improve the Z branch of credit risk management mechanism suitable for the Agricultural Development Bank。...