Research On Credit Guarantee Risk Management And Control Of W Bank

With the rapid development of Chinese economy, the tertiary industry has developed more rapidly in China and has gradually become the backbone of the national production and a more important role in everyone’s life. As a service industry, the financial industry accounts for a large proportion of the overall economic activity. As a traditional and typical financial institution, the speed of banking industry development is quite amazing with the development of tertiary industry. On the scale of debt and credit, the large state-owned banks and joint-stock banks have better foundation, but lower growth rate than the city commercial banks. With strong historical background, city commercial banks have a great progress by the opportunity of rapid development of China these years. However, the risks of rapid development and unscientific management methods bring lots of risks to city commercial banks.In this thesis, W bank as an example, it analyzes the credit guarantee risk problems of W Bank Tianjin Branch during its development using a combination of theoretical and practical methods. And based on the analysis results, we present some reasonable suggestions about improving the external and internal risk management that can promote a more rational, scientific development.Firstly, this thesis describes the structure of Chinese banking industry and background of city commercial banks in history. Secondly, it analyzes in several ways to find out the differences between several credit guarantees. Then, it talks about the history of W bank and the situation of Tianjin Branch, and describes the ways of credit guarantee in Tianjin Branch, and gives some suggestions to improve the management of risk according to their respective advantages and disadvantages. The last part of this thesis analyzes the strategic position of Tianjin Branch and according to the previous chapter, offers several proposals to improve the management of external and internal risks, and gives some measures to manager different levels of risk and control propose according to the author’s experience.In this thesis, various types of bank guarantee are to being compared, including mortgage, pledge, guarantee and other security devices, and then it focuses on related guarantee which take many risks and cause losses. It tells the background of its history and risk management measures. We should give scientific guidance and restraint to prevent the losses causing by the fracture of guarantee ring. This thesis has a certain theoretical and practical significance to process improvement and system construction of city commercial banks.