The Industrial And Commercial Bank Of China Branch In Heilongjiang Province Credit Risk Management Research

With further reform of Chinese financial system, Heilongjiang Province witnessed thegradual rise and development of city commercial banks and joint-stock banks. As the largestjoint-stock commercial bank in Heilongjiang province, Industrial and Commercial Bank ofChina (ICBC) Heilongjiang branch is facing great challenges. Being the most crucialprofitability, the management of credit operations is an important factor which decides thecompetition ability of ICBC branch in heilongjiang province.Chapter One introduces the relevant theories and present research situation at home andabroad. Taking the present situation of ICBC branch in heilongjiang province intoconsideration, Chapter Two analyses the major problems and causes of credit risk. ChapterThree illustrates the management types of credit risk of ICBC branch in heilongjiang provinceand analyses different feature of each type. Besides, this paper also develops the concept “riskidentification” and introduces three risk identification methods. Based on the analysis of thecategory of credit risk of ICBC branch in heilongjiang province, this paper suggests setting upcredit-risk assessment system and provides some advice on its implementation. Chapter Fourmainly discusses the risk credit prevention and risk credit control and the coping strategiesunder different influencing factors are suggested in Chapter Five.