Discussion On The Credit Risk Management Of MS Bank

Credit risk management is the core of modern commercial bank management because the level of the ability of commercial bank credit risk management directly relates to the success or failure of commercial bank.Minimum capital requirement put forward by the Basel is the basis of the credit business of commercial banks.How to strengthen credit risk management has been a great concern of the global financial industry.In addition,with the increasing competition among Chinese commercial banks,as well as the increasing development of the business,credit risk management of commercial bank has played increasing important role.Not only is the bank itself,the government attaches great importance to credit risk management of commercial bank,and requires banks to not ignore the risks with the development of credit business.Therefore,it is the most important work of commercial bank risk management to push forward credit risk management.Joint-stock banks are the main form of the commercial Banks in China.MS Bank is a testing ground for China's banking reform.It is China's first major non-public corporate shareholders of the national joint-stock commercial bank.MS Bank has been kept the fast pace of development in recent years,which is a typical representative of the joint-stock Banks in our country.However,due to credit risk management loopholes,MS Bank non-performing loans events have occurred in recent years,the NPL ratio continued to grow.Therefore,based on the MS bank,this paper discusses its credit risk management issues,which has a typical value of case analysis.In order to improve MS bank's credit risk management mechanism and improve its credit risk management capabilities,this paper will discuss the following.Firstly,respectively from the commercial bank credit risk identification,measurement and control of the three aspects of literature review,through the domestic literature study propose some shortcomings of its existence.Secondly,the paper analyze the MS bank credit risk management present situation and the problems by using the method of theory.Finally,the paper analyzes the cause of the problem to improve MS bank's credit risk management strategies.The article consists of six parts.The first part is introduction,an overview of the theory,MS bank credit risk management analysis of the situation and the reasons for the existence of the problem analysis,the successful experience of foreign commercial banks and improve MS bank credit risk management strategies.The introduction describes the background and significance of this paper,the research status,research ideas and methods,the basic framework of this paper.The second part is the introduction to the theory of commercial bank credit risk management.The first section describes the types and characteristics of commercial bank credit risk,and then describes the content and methods of credit risk management.Finally,the theoretical basis of this paper.The third part of the article analyzes MS bank credit risk management situation.This part mainly analyzes the operating conditions of credit operations,organizational structure,management processes and management measures on MS.The fourth part expounds MS bank credit risk management problems and causes.Based on MS bank credit risk management problems that exist in the in-depth analysis,the reasons of problem existence are put forward.For MS Bank credit risk management problems,the article presents four viewpoints:(1)the Credit risk consciousness;(2)the division of labor is not clear,the functions intersect;(3)post-loan management is not in place;(4)lack of Credit Risk Information Resources Integration.In this paper,the fifth part is a successful experience for reference foreign commercial bank credit risk management.This section describes the successful reference experience of credit risk management in Citi bank and Deutsch Bank.The sixth part introduces the suggestions of MS bank credit risk management.This article,analyzes problems of MS bank credit risk management and puts forward the reasons and the targeted countermeasures and suggestions.The contribution of this paper is to supplement the shortage of the current credit risk management theory research by researching the case.Besides,it can solve the problem of credit risk management in MS and other commercial banks in China.