Enterprise Credit Risk Control Research In The China Construction Bank ZJ Branch

As the international financial crisis, China’s economic development is affected by this in the lagging of economic development, to this, countries launched a series of active fiscal policy to stimulate the economy, including the strong support from financial development to economic development. Along with the economic stimulus plan, bank credit to accelerate added amount and the credit scale expands rapidly.Credit growth is in order to promote investment, production and consumption of active, but for now, medium and long-term loans(mainly related to infrastructure projects) and bill financing occupied most of new loans. Although some infrastructure projects has the support of government credit, but its itself still has many risks, such as project done easily lead to implementation problems. Many infrastructure projects commercialization degree is not high, a direct impact on its future earnings, coupled with large projects often costly, payback period is longer, it is difficult to guarantee debt repayment ability when due. So, the risks of bank lending has expanded and the trend of complicated, it is for Banks to increase credit risk control put forward higher requirements.This paper through the analysis of the related literature at home and abroad,defines related concepts, and sums up the existing commercial Banks risk management control of relevant theories and research methods, on this basis, the construction bank what ZJ branch current credit situation, for example, analysis the present situation of and existing problems, and puts forward the corresponding countermeasures. Finally, the future development of credit and risk control development possibility and ideas are put forward.Through the analysis of credit risk control, construction bank, what ZJ branch,research results are as follows: One is for credit investigation, loan examination and post-loan inspection before the core of the steps, must strictly enforce standards, solid foundation, especially credit investigation and post-loan inspection before work; The second, knowledge learning should not be ignored, escort the solid theoretical basis for the risk management of aircraft carrier; Three is the time to don’t have any on the bottom line to relax. In combination with the practical situation of what ZJ branch puts forward the corresponding optimization measures: One is to change the credit risk management as a priority in the work, always maintain a high recognition of risk control; Two is establishing and perfecting the credit risk management system,enhance the implementation of the system. Three is to strengthen the third party after the independence before loans, loans, credit investigation, further refinement of credit risk management.