Financial Risk Prevention Of Loan Business In Changchun Branch Of ICBC

With the globalization of the current speed, the market economy of our country economy has been developing rapidly, the bank credit scale is also increasing. Since 2000, China joined WTO WTO, many more accidentaly across the opportunities and challenges, the pressure and the competition also come in a throng, China’s commercial banks are often affected by other aspects of international the banking industry impact, the impact will have a risk, whether this risk is from external or internal, will undoubtedly make us the risk prevention requirements is quite urgent. China’s commercial banks to provide credit products and services and human services also face enormous pressure, the continuous competitive advantage make people more narrow credit risk tremble with fear in one’s boots. At the same time, also brought the financial risk to commercial banks.On the current, the Changchun branch of industrial and Commercial Bank of China is to establish a comprehensive risk management system, especially from the perspective of credit risk management, focus on learning advanced foreign system, strengthen financial analysis, optimize the approval system, strengthen credit audit, strengthen credit management and return visit to customers, strengthen the work of bad assets and increase the way to punish bad assets.This paper, based on the financial perspective, points out the existing problems in the business development of the Bank of Commerce and Industry Bank of Changchun, and analyzes the risks of bank credit risk, which is based on the theory and practice. Through the theoretical analysis, the author applies the theory to the practice, and then analyzes the risk of commercial banks.The structure of this paper consists of four chapters: the first chapter is the introduction part briefly introduces the research background, research significance, research content; the second chapter in addition to the non-performing loan ratio, capital adequacy ratio and loan deposit ratio and other related concepts, also introduces the business development situation of the branch of the loan and the risk of possible; the third chapter is the in-depth analysis of the branch of the loan risk, including the identification and assessment of credit risk, analyses the causes of risks, including bank interference problem of itself and the external environment of the risk prevention, means of non-performing loans; the fourth chapter is the essence, based on financial analysis as the basis, elaborated the control strategies to strengthen credit risk: 1, strengthen risk culture construction, 2, to increase the bank’s internal credit control and inspection efforts, improve relevant management mechanism. Finally it is the conclusion part.First of all, we should improve the risk prevention level, strengthen the bank’s risk prevention level, strengthen the internal construction of the bank, make credit risk more understanding, we must strengthen the investment of state-owned enterprises, increase the financing way, improve the financial market, improve the relationship between commercial banks and local government and company.