The Optimization Of Credit Risk Management System Of Heng Feng Bank’s Jinan Branch

With the market-oriented interest rates continuing to increase, the RMB exchange rate volatility increased economic integration deepens, exchange rates, interest rates gradually increased degree of market oriented, market prices gradually, but full liberalization of foreign banking business, leading to domestic commercial banks increasingly competitive, Hengfeng Bank Jinan Branch (hereinafter referred to as the Jinan branch) of new products, new businesses continue to launch new credit risk management trends appear, therefore, very urgent need to optimize the Jinan Branch of credit risk management system.By performing credit risk management of domestic and foreign literature analysis, organize and review, and from institutional economics, information economics perspective of bank credit risk management system analysis. The article covers six parts, the first part of the introduction and the related theory, introduces the research background, significance, content and main ideas, research ideas and methods. Among them, the use of case studies and theoretical use a combination of methods, the use of literature research, qualitative and quantitative analysis methods, normative analysis, interviews and other survey research methods; second part of the commercial bank credit risk management theory overview risk, credit risk related theories were studied; the third part of the credit risk management status and problems of Jinan Branch for analysis; fourth part, from credit risk identification, early warning, management and self-evaluation and internal constraints to optimize the angle Jinan Branch of the credit risk management system; fifth part is a measure of the Jinan branch of the credit risk management system of safeguards, and finally the conclusions and outlook. This article from the Jinan Branch of credit risk management system of the existing problems, targeted optimized to achieve lower Jinan Branch of credit risk.Jinan Branch analyzed the credit risk problem, come to the question focused on the identification of credit risk assessment, early warning, internal management, and proposed four optimization measures:First, improving the credit risk identification systems, respectively, from the optimization of the credit risk rating aspects of the system, operational risk management system, market risk and other organizational systems optimization; Second, in combination Jinan Branch of credit risk early warning process, taking a combination of quantitative and qualitative, to establish a detailed warning signal indicators and response measures to optimize the management of credit risk early warning system; the third is to improve the internal management of credit risk Jinan branch system, from credit risk control, tracking and management, and other aspects of credit risk mitigation optimized loans; Fourth, in terms of self-evaluation and constraints, also proposed optimization measures. Meanwhile, combine the status quo Jinan Branch, proposed the implementation of security measures, such as:training outstanding risk management, the establishment of risk management and control of the corporate culture, establishing compliance checking mechanism, improving risk and improving technical support system inspection and evaluation mechanism and so on.