Research On Credit Risk Management Of ZS Bank Customer

Risk management is the core competitiveness of commercial banks. Without good risk prevention awareness and good risk management level, the ability of bank management and profitability will decline; even the survival and development will also be affected.As an organization, commercial bank’s risk is innate. Commercial bank’s risk mainly refers to the opportunity and possibility of economic losses which caused by the single or comprehensive influence of uncertainty factors in their business activities. There are many kinds of risks of commercial banks, according to commercial bank risk subject, it can be divided into asset risk, debt risk, intermediate business risk; according to the causes of risks, it can be divided into objective risk and subjective risk; according to the formation of risk, it can be divided into tangible risk and intangible risk; according to the degree of risk, it can be divided into high risk, moderate risk and low risk; according to the business risks, it can be divided into interest rate risk, credit risk, investment risk, liquidity risk, capital risk and exchange rate risk; and the classification of risk in the Basel Accord is credit risk, market risk and operational risk.The bank’s processes of credit management tell us, risk management will become an empty shell without sense of responsibility. Lack of execution, the loss of risk will become a reality sooner or later. Risk management of modern commercial banks not to evade the risk, but to operate risk, manage risk and control risk. The core of risk management is not to pursue "zero risk" which is unrealistic, but to achieve the balance of risks and benefits, and acquire the good operating income eventually on the premise of tolerable risk. Modern bank’s competition is not only reflected in the level of service and customer resources, but also be embodied in the risk control and management tools. Bank’s existence is not to eliminate the risk, but to manage it.