Research On Credit Risk Management Of Hengfeng Bank Nanjing Branch

It is well known that credit risk management is the core part of risk management in commercial bank.It has been considered as the most key and challenging part in risk managementarea since1990s.The continuous developments of financial market and financial derivatives make the credit risk surging and complicated. With a large global economic slowdown caused by "sub-prime"debt crisis occurred in U.S.,now the credit risk management is becoming truly focused.However,the current financial market liberalization in China is still at the primary stage,and the loans still take the large propitiate of total bank assets.In this light,the credit risk is one of the biggest risks for commercial bank to deal with. Strengthening research credit risk management, improving the commercial Banks to credit risk identification, control, disposal ability, all above are very important to resist credit risk and improve bank credit assets quality and realize stable operation.This article from the commercial bank credit risk, according to the relevant theories of the bank credit assets losses caused to the different risk events that the credit risk classification, from the current situation of Nanjing branch of Evergrowing Bank credit risk management, puts forward Evergrowing Bank in Jiangsu Nanjing branch for small and medium-sized enterprise bank credit risk management of necessity. Although Evergrowing Bank in Jiangsu Nanjing branch credit risk management in adopted a series of measures, but the quality of its credit assets still worrisome. Credit risk management is a complicated process, Evergrowing Bank in Jiangsu Nanjing branch should according to various sources of information, the good access terminal, in advance to identify risks source, risk scope, risk degree and risk trends and issues corresponding risk warning signal, through a series of technical means for the credit risk control. Therefore, what Evergrowing Bank in Jiangsu Nanjing branch do on credit risk identification, warning, measuring, prevent and dissolve is a very important process, passes through in the entire loan. The risk for various causes, adopt corresponding credit risk control technology and measures and combining the actual situation of its improvement suggestions were proposed, through research,Evergrowing Bank in Jiangsu Nanjing branch can maximize reduce credit risks and improve performance.