The Credit Risk Management Of Group Customers Research In China Construction Bank Qinhuangdao Branch

This paper combines literature research comparative analysis and normative analysis,chooses China Construction Bank Qinhuangdao Branch group customer credit businessrisk management as a research subject, aiming to put forward some ideas and directionsfor the improvement with the analysis of theory, history, present situation and futuredevelopment direction, and at the same time I hope it will give other commercial bankcredit certain reference for group clients management.Firstly, the paper presents the related problems of risk management theory andcommercial bank credit business risk both at home and abroad, and the manifestation andeffect of the risk of commercial bank credit business are analyzed and discussed. Itexplicitly points out that the credit business risk formation reasons, including policy cause,historical origin and the causes of external environment and internal control.Secondly, the paper analyzes the present situation of China Construction BankQinhuangdao Branch group customer credit business risk management.On the basis ofcombing the group customer credit risk control modes and business operation process, itdiscusses specific causes of the group customer credit business, and defines the currentgroup customer credit business risk management difficulties.Again, it designs the risk prevention and control solution of China Construction BankQinhuangdao Branch, put forward the post-loan management processes and pre-loansurvey process optimization plans. It proposes optimization plan for Qinhuangdao Branchgroup customer credit business risk prevention and control process.Finally, by providing safeguard measures to promote group customer credit businessrisk management level in fields of external environment needs improvement, internalconditions implement improvement and business strategies improvement, it provides apowerful guarantee for the smooth implementation of the risk prevention and control plan.