A Study On Credit Risk Management Of J Commercial Bank

The complexity of the current global economic downward pressure on the domestic economy is still present, the enterprise debt paying ability is generally decline, increased credit risk, domestic commercial Banks non-performing loans rebound in a row, and accelerate the trend, the external environment faced by China’s banking industry is more and more complex, increasing uncertainty, increasingly fierce competition. Banking industry as a pro cycle, bad, defective rate "double up" are "three phase superposition" under the background of the real economy running in the process of prominent contradictions in the embodiment of the banking sector, as well as risk management ability of commercial Banks put forward severe challenges. In this serious economic and financial situation and background, how to improve the commercial bank credit risk management ability, is particularly important.The author based on years of experience, and risk management in risk management theory and application at home and abroad for reference, on the basis of a financial institution —— J bank as an example, based on the problems in credit risk management of investigation and concrete analysis, think J bank currently exist main part of the institution and personnel lack of credit concept, the implementation of the "three check" system does not reach the designated position, the level of responsibility shall be investigated for partial light soft, the existence of these problems seriously affected the improvement of J bank risk management. To solve these problems, this paper puts forward to strengthen its credit risk management solution:one is to advocate the practice in the whole process of credit business credit "eight principles", strengthening the concept of J bank’s credit; Second, must strengthen the loan before the survey key risk point analysis, stressing the need to grasp the basic standard of the customer to choose, take the initiative to choose the "doctrine of first-class" standard (good character, good products, good collateral, cash flow) of good customers; Three is to strengthen the credit in the choice of priority review point, you look at the macro, emphasis on large enterprises of medium-sized enterprises you first look at the financial and you look at the collateral for small businesses. Four key point of risk control is to strengthen post-loan management, emphasize from the four dimensions of post-loan management (customer, debts, credit products, guarantee), after the credit may face all kinds of risks for continuous supervision and inspection and dynamic management; Five is to strengthen the responsibility, to govern, improve J bank credit practitioners consciousness of risk prevention and compliance. The conclusion of this paper is:to strengthen the credit business process each link the key point of risk management and establish the healthy concept of credit, in accordance with the rules to govern, is scientific and feasible and necessary, for J bank and commercial Banks have a common operation significance and reference value.