The Bank Of WF Credit Risk Management Research

Since 2014, our country economy downward trend was evident, the financial industry development is faced with new challenges, as the important part of bank credit management and risk control of the last line of defense ", of the growing importance of post-loan management. WF bank is the local commercial Banks, the rapid development momentum in recent years, especially in the micro credit has achieved rapid development,but due to various reasons, post-loan management link still exist many problems, for buried a risk assets safe hidden trouble.In this paper, on the basis of the objective study on the existing research, with bank of WF post-loan management as the breakthrough point, the integrated use of qualitative and quantitative research methods, analysis the post-loan management process and existing problems, and through the analysis of other financial institutions, constructed the WF after the bank credit management system of professional.This paper mainly includes four:Firstly, the existing research results and the theoretical basis of comb. This paper stated the research background, and then to systematically summing up and summarizing the existing research, on the basis of fully study and understand the existing results,looking for one of the relatively weak areas, on this basis to determine the research direction of the article, finally summarized the existing mature theory, for the next step work to lay the theoretical basis, provide theoretical guidance. Secondly, WF status after the bank credit risk management. In this paper, for the current bank of WF illustrates the condition of post-loan management, comprehensive introduction the WF bank current post-loan management, including management objectives, principles, requirements and work flow, on the basis of the analysis of the current existing problems, and forming problem attribution guidance, has been clear about the direction for the next step of research. Thirdly, the domestic and foreign financial institutions in cash management. This part mainly summarizes the Wells Fargo, bank of zhejiang tyrone, the practice of Harbin bank in post-loan management, summarizes their advanced experience, as a important basis and method of the later work. Finally, in view of the situation of WF bank post-loan management, this part of the system is put forward out the path choice of focus on professional management, after perfecting the credit system. From risk source block, early warning information acquirement, improve risk control ability, establishing evaluation system and so on has carried on the system.Innovation point of this article is about WF bank post-loan management, on the basis of literature review and experience at home and abroad for reference, summarizes the WFBanks post-loan management problems and to explore the research, put forward the method to solve the problem of WF bank post-loan management.