Research On Risk Management In Credit Business Of Construction Bank Jilin Branch Of China

Credit risk is the most prominent and far-reaching risk that the moderncommercial Banks facing in risk management.The main characteristic of China’sbanking sector is that loan business occupies most parts of bank assets.So, theresulting credit risk also appears abnormal.Not just China, at present, the globalbanking industry has the problem of high credit risk widely.CCB Jilin branch credit business credit risk management has always been afocus of CCB Jilin branch,with the improvement of the global awareness of creditrisk management, credit risk management has gradually become the focus of thebank’s high-profile project management.Based on the background of the status of today’s global business credit risk,credit risk management of related theory as the basis, based on the analysis of CCBJilin branch credit business, this article does research on CCB Jilin branch creditbusiness credit risk management from the four aspects-credit risk identification, theproblems of credit risk of credit business, The cause of credit risk and credit riskmanagement countermeasures.CCB Jilin branch credit risk identification is brought to the business as theresearch object, dose analysis from approaches to customer external environment riskidentification, contrary to the fundamentals toward risk identification and customeranalysis financial risk identification, and introduces the concrete analysis methodsand the analysis of the key.A high non-performing loans is the main problem of CCB Jilin branch. A highnon-performing loan ratio shows:2011-2013, the bad loans of CCB Jilin branch were51million yuan,194million yuan and537million yuan respectively, non-performingloan ratios were0.05%,0.18%and0.05%respectively;Early in the first quarter of2014, the non-performing loans was lower, the non-performing loans was624million yuan, less than at the start of the11million yuan, the non-performing loan ratiowas0.51%;the non-performing loans by the end of June,2014was659.7817millionyuan, an increase of25.0486million yuan from a year earlier, non-performing loanratio was0.51%. Thus, the non-performing loan ratio of CCB Jilin branch is stillrising year by year, becoming becoming one of the focus of credit risk control in thecredit business.The causes of formation of credit risk of CCB Jilin branch are from the twoaspects of enterprises and Banks. Enterprise is mainly for corporate defaults, Banks ismainly for Imperfect credit business regulation, unreasonable credit funds, andincomplete credit risk management system.Imperfect credit business regulation ismainly manifested in the holes among the bank before the credit business credit,credit and post-loan management, the regulatory constraint mechanism is not sound,creditors, financial personnel or the emergence of the auditors are not compliance,which bring significant credit risk to the bank.Unreasonable credit funds mainlyrefers that the bank credit funds in the field of industry, enterprise and regional natureare unreasonable, traditional and risky industry, large enterprises and economicdeveloped big cities are on the high side, emerging industries, small andmedium-sized enterprises (including self-employed), and small and medium-sizedcity are obviously low, resulting in excessive concentration of funds, risk cannot bescattered reasonably.Incomplete credit risk management system from the viewpoint ofconstruction bank in CCB Jilin branch are that credit risk management is weak,post-loan management problems, and product management problems, credit approvalprocess program specialization degree is not high, and too dependent on guaranteeenterprise, and it needs to improve the credit risk management mechanism.In view of CCB Jilin branch credit risk factors, what this paper gives thecorresponding suggestions are that the construction of credit risk measurementmodel-the credit rating model, the internal rating system, establishing the credit riskmanagement mechanism, improving the credit business regulation, including beforeloans, in the loans and post-loans, and adjusting and optimizing the credit structure,mainly including adjustment of assets structure, adjustment of the industry structureand adjustment of product structure.