Credit Risk Management Research On Agricultural Bank Of China In Z Branch

The global financial crisis caused by the “sub prime crisis” of the USA changed the domestic and international macroeconomic situation greatly, in 2008. Especially on commercial banks, not only increased the pressures on the operation of the commercial banks, leaving commercial banks have realized the importance of credit risk management.By the deepening of China’s economic restructuring and the slow recovery of the international economy, China’s economic growth rate is relatively slow, in 2013. In 2014,as the slowdown in China’s economic growth rate, promotion of the interest rate liberalization, development of the internet banking, and the tight liquidity, the extent of leverage in China’s banking industry is deeper and their operating pressure is increasing,which makes the competition among commercial banks more intense. As the economic growth, the demand for loans is also increasing, which makes us to pay attention to the management of banking credit risk and constantly improve the management of banking credit risk, and actively promote the healthy and orderly development of credit business.Compared with relatively complete credit risk management of foreign commercial banks,there are still a big problem in credit risk management of commercial banks, like relatively low level of credit risk management, relatively backward credit management methods and means, weak binding legal system, as well as the imperfect social credit supervision mechanism. Therefore, commercial banks should learn from advanced western commercial bank credit risk management experience. At the same time, we should combine with China’s national conditions and their own actual situation to develop the right method of China’s commercial banks credit risk management, and to look for their own development for China’s commercial banks credit risk management mode.In this paper, I will take the Agricultural Bank of China branch in Zhengzhou Z District as an example, against the current situation of this bank’s credit risk management, and analyze this bank’s the main problems, finally I will give the corresponding recommendations and solutions.