The Study Of Enterprises’ Credit Business Risk Preventions And Controls In The H Bank

The development of financial industry is blooming with flowers and contending with many banks and financial enterprises, along with the "Internet plus" era. The development of commercial banking business has been an unprecedented opportunity, however, although commercial banks get the new dynamics with the help of internet,the development of commercial banks will face great pressure in future. Because the speed of economic development in China has been slowed down in recent years, the economic downward pressure is great; also, the monetary policy of the central bank is uncertain, the economic situation and policy guidance is not sure in future. What’s more, commercial banks face many challenges with the interest rate reformation, their profitability of traditional service(deposits and loans) go down. For commercial banks, credit risk is the most important risk that needs to be paid attention to. It is critical to prevent and control the credit risk.This dissertation’s object is focused on H commercial bank that based on related theory of credit risk preventions and controls at home and abroad. First of all, the dissertation tells the background and meaning of the research, and so on. Secondly, the dissertation focuses on the relevant theories of enterprises’ credit risk, this part tells the meaning of credit risk, credit risk classification and theoretical basis. Thirdly, the dissertation focuses on case study of enterprises’ credit risk prevention and controls of H bank, the overall idea is in accordance with asking questions, analyzing problems and solve problems. The first step is to introduce the present situation of enterprises’ credit risk prevention and control of H bank, the dissertation finds the enterprises’ credit risk preventions and controls of H bank have bugs, especially in system design, personnel standards and post loan management, etc. The second step is to analyze some main problems, this dissertation tells some problems which focus on three links of loan-before loan, in loan, after loan, then, the dissertation will analysis the causes of these problems. The third step is to put forward improvement methods for those problems, three measures of preventing and controlling enterprises’ credit risk are put forward:build credit risk warning system, optimize customer credit rating method, and improve internal control system. The dissertation’s main purpose is making the credit risk minimize.From the research and analysis of H bank, this dissertation not only finds the credit business of H bank has big potential risk, but also put forward the feasible improvement measures for H bank. These improvement measures is very important for the credit business of H bank, these improvement measures will reduce loan risk with maintaining customer relationship. The research results of this dissertation have the same reference value for banks with similar problems, especially in credit business risk preventions and controls.