Research On Credit Risk Management In G 's Corporate Credit Business

With the development of economic globalization, China’s financial market isundergoing profound changes, the traditional enterprise profit unceasinglycompressed loans, therefore, the gradual development and perfection of commercialBanks, brought to also gradually rise in bank credit business.Channels at present, theincome of the bank is mainly business and intermediary business, asset and creditcontains most of the intermediary business, can promote the development of bankintermediate business, and settlement business, therefore, let public credit business ofcommercial Banks in our country plays a very important role, through the creditsettlement business, can increase the bank JieSuanLiang, increase the fees andfinancial strength, on the other hand can improve the income of the bank.The creditbusiness is an important means of business, even can be said to be the leadingbusiness in the bank.At the same time, at the same time of credit business, creditbusiness is one of the bank is risky business.Compared with improper accountingbehavior, individual operation business, although brought to a lower incidence ofcredit business risk, but the operational risk loss rate is greater than the first twoACTS.If the operation risk and credit risk once appear repeatedly, the loss than theloss of credit assets, has a great deal of risk, also caused great negative impact to thebank, bank a huge loss.If the bank can’t control well the risk of credit business, thecompany’s bad loans, resulting in significant loss of the bank.In developing economy, the uncertainty of significant volatility in financialmarkets and risk, in the face of such a competitive environment, we must cultivate therisk management ability of commercial Banks, adjust the credit structure ofcommercial Banks, by strengthening the bank’s risk control ability, strengthenbrought to the management and application of credit business risk, so as to promotethe development of commercial Banks.Therefore, the stand or fall of credit businessrisk control, plays a decisive role to the development of commercial Banks.Taking QuanCheng Road merchants bank jinan branch of G enterprise credit riskmanagement research, for example, China merchants bank jinan QuanCheng Road branch was established in2006, the development is not perfect in many ways, veryrepresentative.By QuanCheng Road merchants bank jinan branch of G towardenterprise credit credit risk status quo and existing problems, and analyses the reasonsof the G enterprise credit business problems.To solve these problems, and putsthe approaches to credit business credit risk.And put forward relevant measures toreduce the credit risk.Hope this research can toward perfect our country commercialbank credit risk management, which provide guidance toward the credit risk ofcommercial Banks and using for reference.