The Problems And Countermeasures Research On Credit Risk Management Of H Branch Of Agricultural Bank Of China

In recent years,China’s economy maintain rapid development,and the account of bank credit running high.As the economy enters economic transition period,China is experiencing a special stage of the growth rate of the shift period.Many enterprises are facing serious difficulties in production and management,then the risk of the real economy has gradually emerged,and conducted to the banking,lead to a sharp increase in non-performing loans of the banking.The balance of non-performing loans in 2013,2014 were 1.18,1.43 trillion,the ratio of non-performing loan were 1.49%,1.6%.The balance and ratio of non-performing loans were both raised highly.Banks are important financial services to support the economy.Credit risk management is related to the healthy and sustainable development of commercial banks.Therefore,how to improve credit risk management has become an important problem to be solved by commercial banks.H branch is a branch of Agricultural Bank of China in H province. H branch was highly competitive in the local. But recent years, because of the rapid growth of non-performing loans,H branch in the local market competitiveness has been severely weakened.To maintain competitive advantage,H branch urgent need to improve their creditrisk management.Early,on the basis of reading a lot of literatures on credit risk management,the author select 30 subbranches of the H branch as the study sample.Take the H branch as an example, this paper aim to analysis the problems in the credit risk management of H branch.And based on the theory of credit risk management,put forward the countermeasures and suggestions of improving the credit risk management of H branch.This paper is divided into six chapters,The first chapter is the introduction part,including research background and significance,research methods and ideas,also carding the research on credit risk management combined with domestic and overseas literatures.The second chapter is the theory of credit risk management of commercial banks,which lay a theoretical foundation for the research work.The third chapter to the fourth chapter analyzes the current situation of credit risk management in H branch,points out the existing problems through charts, data, etc.Then points out the existing problems in the credit risk management,and analyze the influence factors of the problem by using the analytic hierarchy process.The fifth chapter puts forward the countermeasures and suggestions to improve the credit risk management of H branch.Base on the analysis of credit risk management of h branch,this paper finally puts forward the following countermeasures.First,cultivate culture of the credit risk management.Second,transform the management of credit from extensive-management to intensive-management.Third,improve the management of guarantee.Forthly.enhance the training of credit officers.Finally,establishment the credit rewards and punishment mechanism.As a provincial branch of a state-owned bank, H branch Is a microcosm of the state-owned banks.In this paper, the measures and suggestions to improve credit risk management for the h branch are also useful for the other branch of the state-owned banks.