HXGF Bank’s Risk Manager System Research

Credit risk is the main risk to commercial Banks, the bank credit risk management and post-loan management rely mainly on loan before the survey. HXGF bank current credit risk management has a lot of places need to be improved, the research theories and methods for reducing risk manager HXGF bank the credit risk and improve the core competitiveness is of important theoretical and practical significance.Based on the comprehensive risk management theory as a starting point, combing the theory of risk managers, and on this basis, analyze the HXGF bank current credit risk management system, points out that the bank before the credit investigation and post-loan management problems, at the same time, further analysis of the main causes of these problems; Then, in this paper, the current HXGF bank credit risk management system to improve the design. Improvements on the one hand, the current organization structure and organization system of problem such as the risk management process redesign, on the other hand, draw lessons from the domestic industry is relatively mature system of risk managers HXGF bank combining its own characteristics, design a set of suitable for HXGF bank risk manager system, and apply it to practice. Finally, implementing the management of risk manager for HXGF bank and credit risk management system, the essay discusses the safeguard measures of improvements needed. These measures include:to establish a perfect customer credit database, strengthen risk management personnel team construction, strengthen the construction of credit culture, strengthen the cooperation between the industry and the main measures.In this paper, the risk manager plans and measures, to promote HXGF bank credit risk prevention ability and optimize the credit risk management system has the positive significance.