Research On Credit Risk Management Of Corporate Loans Of China Construction Bank Jilin Branch

In recent years, economic development has entered a new normal, greater downward pressure on the economy, deepen financial reform, accelerate the reform of the interest rate market, the rapid development of Internet banking, international competition is growing. Faced with a variety of competitive pressures and the economic situation of uncertainty, some financial institutions will enhance competition and customer management as a strategic objective. Borrower groups and competition between Interbank into a unique game activities. Commercial banks in the three key issues of risk borrowers competition and enterprise resource management, the need to address is the credit risk management, Basel III, it is mentioned in the credit risk accounted for 90% of the credit risk of commercial banks is mainly credit risk corporate loans.China Construction Bank branch in Jilin Province in the long-term business development, according to the head office of the risk management system, and gradually completed the adjustment and optimization of the bank’s risk management system, strengthening credit management, despite the great achievements and experience, but credit risk management of risks still exist. This paper related to the theory of credit risk management as the foundation, this paper expounds the head office of the credit risk management system development process, describes the current situation of risk management of China Construction Bank, and Jilin Branch of construction bank loans to the public credit risk research, summed up the insufficiency and the reason, thus do the corresponding corporate loans credit risk management research.At present, the Jilin Branch of the amount of non-performing loans increased, so its non-performing loan rate in gradually increase, and other commercial banks or other branch of comparison, the magnitude of the rise in the amount of non-performing loans and non-performing rate of are larger. Analysis of the cause of credit risk, from the outside, in recent years, with the economic downturn, the risk of coal, grain and other industries continued to appear relates, in part the industry customers operating conditions deteriorating, overall capital chain tension, loans to adverse. From the internal perspective, the operating mechanism in the management of the process of not due diligence, so that the risk can not be timely and effective control, to a certain extent, led to the emergence of risk. This also means that banks need to strengthen the supervision of credit risk, and in order to improve the overall level of risk management, adjust and optimize the credit structure, enhance the risk early warning and risk control sustained-release effect and promote the internal control and compliance system four aspects proposed optimization strategy.