Inventory Pledge Risk Prevention Of Changchun Branch Of CITIC Bank

With the development of China economic construction speed up, many domestic companies are moving towards the direction of specialization, scale development, those demand for loans increased year by year. All banking financial institutions to customers for credit, the guarantee of the way also tend to be diversified. From a pure real estate mortgage, guarantee the gold pledge of collateral, the unilateral guarantee financing guarantees and other traditional security mode to diversified guarantee transition, the inventory is in recent years a new diversified financing by way of security.Changchun branch of CITIC Bank is a joint stock commercial bank, established in September 2009, is one of the twelve joint-stock commercial banks- CITIC Bank in Changchun, the establishment of a branch. Inventory pledge guarantee financing is the Changchun branch of China CITIC Bank since its establishment with a wide range of financing guarantee. Until the end of 2015, Changchun Branch of non-performing loan balance of 10.36 billion yuan, which according to the security division, non-performing loans to the real estate collateral for 0.2 billion yuan, accounted for 1.93%; inventory pledge of non-performing loans of 3.75 billion yuan, accounted for as high as 36.20%; ensure guarantee for 4.16 billion yuan, the proportion of 40.15%; credit loan 2.25 billion yuan, accounting for 21.72% than. Changchun Branch inventory pledge loan guarantee is the high incidence of non-performing loans credit category, how to effectively prevent inventory pledge loan risk, enhance CITIC Bank branch in Changchun market competitiveness, to resolve non-performing loans and reduce the credit risk is an urgent problem.This paper to Changchun Branch of China CITIC Bank stock pledge secured financing risk as the research object, the status of the bank stock pledge business, brief inventory pledge business of total control mode and the static mode of two big main business model, summarize the stock pledge business major risk types. This paper introduced briefly the inventory and CITIC Bank branch Changchun basic situation, credit business pledge business status, the system of CITIC Bank branch Changchun current risk management system, and the status quo. Through literature research, case analysis and other research methods, the causes of the bank’s non-performing loans are analyzed, summed up the four main problems, respectively is link, the investigation against the market trend review process and access to higher risk customers recognition ability of the deterioration of the business is not strong, post loan management link of customer funds flow no timely tracking and post loan management link remote customers misappropriated loans regulatory failure. In view of the above four problems, analyzes the its deep-seated reasons, respectively is awareness of the economic situation is not deep and risk early warning mechanism to be perfect, loan management method still need to be improved and professional level staff need to improve. Finally put forward the improvement measures and solutions, respectively is the proper use of financial knowledge forecast the development trend of enterprise management; pay more attention to the financial analysis of the sound risk early warning mechanism; field visits and financial analysis; combine to establish and improve the long-term mechanism for risk prevention.This paper through the analysis of CITIC Bank branch Changchun inventory problems in business, to find the deep-seated cause of the problem, and use the knowledge of financial analysis combined with financial accounting theory and put forward the improvement measures and solutions, finally draws the conclusion as follows: one is to use the method of financial analysis science reasonable inventory is effective to prevent business risk two is the soul, according to the comprehensive use of industry characteristics of financial analysis theory is an important way to prevent inventory risk, three is the combination of financial analysis and field visits to prevent generation after guarantee inventory risk, the four is the establishment of risk management culture can effectively enhance the risk prevention ability and conclusion the cohesion of the enterprise.