The Research On Credit Risk Management Of Enterprise Loans Of N Bank

As a kind of special enterprise operating money, commercial banks were born with the attribute of loan risk. As a result, since the birth of the day, banks are seeking method and means to evade credit risk, to maximize the control of it. Credit risk management is the core of bank’s risk management; it is about how to recognize, measure and manage the credit risk by commercial banks, on that basis, to effectively guard against and control credit risk, it is a method of scientific management achieving maximum security of credit assets at the lowest cost. From now on in a long period of time, the direct financing market in China is underdeveloped, phenomena of that indirect financing is given priority to the financial system will not change, which guarantee the dominance in bank deposit and lending business, making the credit assets is still a firm’s main assets, also become the main source of bank profits. How to improve the credit market share, improve the level of management and risk control ability, will directly affect the banks to improve the core competitiveness of the good realization of the goal and strategy.All this makes credit risk management the urgent task that our commercial bank should face.Credit risk is the main risk faced by commercial Banks, the credit risk of quantitative research has just started, there are many problems not solve in theory, in terms of the credit risk management, there are many issues worthy of our further research in theory and discussed. Gap in risk management, is the biggest gap between our country commercial Banks and foreign advanced Banks, and it is also the root cause of the weak overall competitiveness and profitability of commercial Banks in China. As the trend of world economic integration to be strengthen as well as the implementation of the system of financial industry after China’s accession to the WTO entry, our country banking industry will face more intense competition. In this case, to strengthen the research of credit risk management methods, combined with the actual situation in our country, it is very important. Therefore, research on commercial bank credit risk management has very strong theory significance and practical significance.This article firstly defines the concepts of the credit risk and credit risk management, and introduces the methods of measuring credit risk; Through the research of agricultural bank of China jiangsu branch sales department of credit risk management system present situation, found that for most enterprises at present, its long-term development and financing channels more and more restricted by commercial bank of original credit management system and obstacles. Commercial Banks how to establish a set of perfect and reasonable to solve the risk management system the demand for money, this is the commercial Banks in financial regulation innovation and its own development needs, is also the needs of the development of enterprises. For nanjing branch of agricultural bank of China, therefore, the urgent task is to establish an effective system of enterprise credit risk management, improve the efficiency of credit, in order to solve the problem more and more enterprise credit financing. For every business of credit risk in the process of analysis and empirical research, by qualitative analysis, quantitative measure and the method of quantitative analysis, on this basis, the credit risk management methods and specific measures are put forward.