Research On Credit Risk Management Of Shanghai Pudong Development Bank, Shenyang Branch

Currently, the proportion of the intermediate business of commercial banks has been increased, but the credit business is still the core business of commercial banks in China, and its profits play a vital role, the credit risk throughout the whole process of commercial bank credit is the greatest risk, the employees of the commercial banks should attach importance to credit risk management of commercial banks. However, the reality is that most commercial banks in the credit business, one-sided emphasis on the development speed, the size of credit but relaxing deregulation, ignoring risk control, do not attach to the situation of long-term poor quality credit assets, the commercial banks that the violation of discipline problems occur now and then, have not yet been digested the old burden of bad loans, the new burden of bad loans happened, they form a time bomb for the placement of the safe operation of commercial banks, threatening the country’s commercial banking system, financial markets and the social and economic stability all the time. Therefore, the major issues on the process of China’s banking operations can be summarized as how to improve credit risk management.In this paper, the object is Shanghai Pudong Development Bank Co., Ltd. Shenyang branch, the author has read many domestic and foreign literatures on credit risk and the risk of commercial banks, after that, bases on the collection, summary and analysis of relevant theory, finds breakthrough which adapt to the status of its credit risk research. After describes the research background, significance and the framework systematically, it firstly introduces the concept, characteristics, causes of commercial bank credit risk and procedures, the basis theory of target of credit risk management, identifies its problems in credit risk management profoundly analyzed causes of the problems through analyzing the status of credit risk management of Shanghai Pudong Development Bank Shenyang Branch. Finally, the author combines his own experience and work experience of commercial bank credit, and bases on drawing lessons from the advanced domestic and international theories and practical experience, for the specific problems of Shanghai Pudong Development bank Shenyang Branch, disposes recommendations of them. In the end, the author summarizes this article systematically and finds the possible development direction of the future credit risk of commercial banks.