Research On Credit Risk Control Of Bank Of Lanzhou

The credit business is the main business of the Bank of Lanzhou, It can promote the credit business development, and optimize the credit structure and improve operational efficiency to improve credit risk control.The paper analyzes the present situation of credit business of bank of Lanzhou and risks faced by the main credit business. Analysis found that, The short-term commercial loans, long-term business loans, personal consumer credit business in the field of housing consumer credit and auto consumption credit, the credit card business and guarantee, accounts receivable pledge loans business mainly face fraud risk, guarantee risk, the use of funds risk, management risk, market risk, operational risk, moral risk manager, legal risk, policy risk, contract risk, counterfeit risk etc.The paper studied the control strategy of credit risk of bank of Lanzhou. The short-term commercial loans need to take measures to prevent the borrower to provide false information, prior to the granting of a loan, to require the borrower to implement the first source of repayment, attention should be paid to identify false use loan application, to seriously implement the loan guarantee or touch (Qualitative) and physical security measures, to improve the comprehensive quality of customer manager through a variety of training, strict reward and punishment system.Long term business loans need to carefully select the loan project, to improve the level and quality of loan review, approval, to arrange the loan structure, take effective measures to reduce the risk of. Housing consumer credit business need to select excellent customer base, establish and improve the personal credit rating system, choose strength, good credit to developers and sales are good prospects for the project, must strengthen the internal management of the banks, moral hazard prevention. Automobile consumption credit needs to select distributor good credit, to strengthen the ability of borrowers owing on the loan review, to ensure good source of funds. The credit card business needs to be strengthened before the loan credit management, pay attention to the daily management of credit card customers, strengthen the overdue account management and debt collection. Guarantee business need to guarantee preliminary review and management work, strict examination and approval system. Domestic factoring business needs a thorough investigation of customer credit investigation, the authenticity of the sales contract, prevent to accept "not transferable" claims, claims or rights defective incomplete creditor, bank internal strict domestic factoring business operation process and management specification. Corporate account overdraft services need further investigation, strict examination, and earnestly choose good overdraft object, perfect the legal procedure, the legal risk prevention; to establish and perfect the internal corporate bank overdraft account operation process, prevent operation risk. Accounts receivable pledge loan business need to investigate measures to implement the credit, strict operation procedure; timely query should be the quality situation of accounts receivable, loans, the mortgage registration; add special provisions in the loan contract. Warehouse receipts pledge loans need to be carefully loan investigation, perfect material supervision measures.The paper studies the security measures for the credit risk control strategy. Measures include developing rational, sound and prudent risk culture, establish a sound risk management organization structure, establishing policy system effective risk management, strengthening the risk management system and norms, the establishment of risk decision-making mechanism of scientific and effective risk monitoring, establish effective risk rating system, the establishment of effective mechanism to check the rectification.