The Research Of Risk Management For Credit Business Of Bank Of Hangzhou Ningbo Branch

As the principal part of the financial system of modern market economy,commercial banks hold a decisive position in the economic and social development ofour country and play an irreplaceable role in the national economic lifeline andeconomic security. In the process of business activities, commercial banks facenational risks, market risks, interest rate risks, credit risks, operational risks and othervarious risks, among which credit risks, being the most important, have always beenthe focus of commercial banks. The risk management of credit business has been thekey issue whether current commercial banks can achieve healthy, steady andsustainabledevelopment.As one of the areas for concentrated outbreak of credit risks in Wenzhou,Hangzhou and Ningbo within Zhejiang Province, Ningbo Branch of Bank ofHangzhou has gradually experience risks in Ningbo with impacts of economicdescending. The risk management of credit business remains the main work of riskmanagement for Ningbo Branch of Bank of Hangzhou nowadays. How to effectivelyprevent risks in credit business and maintain the profitability of commercial banks andquality levels of credit assets is a huge and complicated systemic project.Beginning with fundamental theoretical researches of risk management for banksat home and abroad, the paper made generalization and summary of the researchstatus of risk management for credit business at home and abroad, emphasizedthedescription of relevant theoretical process for credit business of Ningbo Branch ofBank of Hangzhou, and listed the status quo of risk management for credit business ofBank of Hangzhou Ningbo Branch. Furthermore, it analyzed the problems existing inthe current risk management for credit businessof Bank of Hangzhou Ningbo Branchand ultimately put forward countermeasures and advice on the risk management forcredit business of Bank of Hangzhou Ningbo Branch...