The ABC Bank Credit Management Of Corporate Customer

From the beginning of the 1990s, with the deepening of reform and opening up, foreign banks have entered the Chinese market. At the same time, the domestic banking sector has also bid farewell to the four state-owned banks a single large monopoly era, all local banks and joint-stock commercial banks have been established, and the introduction of foreign advanced management methods and concepts in the management mode. Especially in the banking business of the credit for the main business, but also changed the once backward management model fundamentally. With the continuous development of bank credit management, on the banks of the new era of enterprise credit management and risk control measures proposed improvements. In the years after the signing of the new Basel Accord, the development banks to develop a new constraint system, banks have also evaluated the benefits of economic value added into the new concept of economic capital and the rate of return, which is the bank’s credit create business development opportunities, it also brings a lot of risks. Because state-owned banks are quite outdated management concepts, joint-stock reform late, is not completely separating the serious extent of aging personnel constraints and other factors, which in the credit management of the division of authority on process management, risk assessment and control limits, etc. aspects are lagging behind other commercial banks, of which the pace of reform ABC Bank slowest. In the other commercial banks have listed; draw extensively on advanced foreign experience, the first credit management model for reform in the ABC Bank. Therefore, changing the face of competitive pressures in financial markets, ABC also launched a corresponding new bank credit management.The new corporate customer credit management approach ABC Bank implemented in late April 2013, the implementation process, there have been many problems and risks. In this paper, the use of risk management theory, the new ABC Bank existing corporate customer credit management approach for analysis and found that the requirements of the new approach to the way the credit risk-weighted value of the theoretical value of the occupation, although this approach can bring some increase in economic interest value, but to some extent also exposed the risks of the bank’s credit funds planted a lot of security risks. Based on the problems and risk factors found were analyzed, through amendments to the key factors of risk-weighted value of the correction operations Variety weight coefficients and guarantee weighting coefficients affect its occupation of the credit of the theoretical value, which is more scientific and rational guide enterprise use of bank credit funds. Meanwhile, in order to assist the new credit management approach to better implementation, and the role of risk-weighted value of play in the credit management can be more effective, combined with the actual ABC Bank credit business management of corporate customers, from basic management level, quota management level, collateral management level and strategic management level corresponding auxiliary measures proposed to ensure that the risk-weighted value of the correction, ABC Bank corporate customer credit management can be effectively implemented. The research results have a positive practical significance for ABC Bank corporate customers to further improve credit management, safe operation of the bank credit funds, the effective management and control credit risk of corporate customers, improve the overall capacity of the banking corporate customer credit management.