Business In Credit Risk Management Of The Agricultural Bank Of China Hunan Branch Table

Since the reform and opening up the domestic financial environment hasundergone profound changes, the commercial banking business structure has undergone significant changes, sheet business of the rapid development of rich and diversified commercial banks added vigor. Hunan Branch of the Agricultural Bank as a bank branch in Hunan region in recent years, the size of its balance sheet assets,expanding credit, but in the current economic downturn, the risks and challenges it faces are also said increase with age. On the one hand the rapid expansion of its balance sheet credit; on the other hand, due to the one-sided pursuit of business expansion, ignoring the risk control, management philosophy and methods of its off-balance sheet business credit risk needs to be improved and perfected. This paper on the status of off-balance sheet business development and credit risk management,the Agricultural Bank of Hunan branch analysis, the analysis of its off-balance sheet business credit risk identification, assessment and measurement and early warning and control, with a view to the Agricultural Bank Hunan Branch Sheet Business prevention and control of credit risk management to propose effective recommendations. The full text is divided into six: The first chapter introduces the research background, research object and purpose of the research status at home and abroad and research ideas and methods are described; the second chapter the basic concepts of business outside of the table, characteristics, development situation has been described, the basic theory of credit risk management were introduced, and off-balance sheet business credit risk management has been described; the third chapter of the sheet business development of the Hunan branch of the Agricultural Bank, its internal and external credit risk management environment line research and analysis of its business outside table risk points and control methods were discussed;the fourth chapter of the Hunan branch of Agricultural Bank of macro environment sheet business facing the development of the industry environment and the financial and non-financial factors, foreign table presented its identification methods and processes of the recommendations; and the assessment and measurement of the Hunan branch of the Agricultural Bank of sheet business were studied and analyzed with reference to specific cases described; Chapter VI of the Agricultural Bank of China Hunan branch sheet business early warning and control were studied, and the focus was to explore its balance sheet risk early warning monitoring system; and finally the full text of the summary. The main conclusions are: Agricultural Bank of China Hunan branch of relying on its international settlement network, which its sheet business development of the local industry has more obvious advantages of scale, but the need to strengthen credit risk management. Agricultural Bank of China Hunan Branch sheet business credit risk management is facing a complete lack of internal coordination and management system, regulatory and policy environment increasingly stringent focus on industry risk outstanding external environment, as well as off-balance sheet business credit risk control insufficient awareness, industryconcentration degree of credit credit scarcity of resources internal environment. In order to better, healthier balance sheet to promote business development, the Hunan branch of the Agricultural Bank should focus on a table outside the business from the macroeconomic environment, industry characteristics and customer customer management and financial condition and other aspects of risk identification,optimization, and improve the relevant process; from several aspects of customer credit rating, debt rating, risk classification, value and other credit risk, methodology and application of probability of default LGD risk assessment and measurement; and to strengthen credit risk in terms of late, financial, and other negative news warning,risk control points scattered integration, the establishment of the whole process of balance-sheet business credit risk control system.