Study On A Branch Of The Postal Savings Bank Credit Risk

The term "Credit Risk", is a bank loan or a Risk arising in the course of investing in bonds, also is the borrowers default risk.For a long time, credit risk has always been one of the major risks faced by commercial banks. The American subprime crisis in 2008,more people realize that not only related to the commercial bank credit risk its own survival, even lead to national or regional financial crisis, the economic crisis. The study showed that credit risk is the main cause of the commercial bank bankruptcy.So far, the credit business has always been the core income of commercial banks in China.For a long time, commercial banks has accumulated a lot of bad loans,Although such as bad debt write off,set up asset management company and other measures to control,but these measures only the fact that credit risk management has become a loss. but these measures also is only in view of the loss has become a fact of credit risk management, but not in advance, the comprehensive effective credit risk management approaches.Especially compared with other state-owned commercial bank credit risk management experience,set up only a few years of the Postal Savings Bank of China credit risk management is still in its infancy.The Postal Savings Bank of China is a state-owned commercial bank of according to the overall arrangement of financial system reform of the state council and the reform of the original postal savings was formally established on the basis of the management system. A branch of the Postal Savings Bank as A prefecture-level city branch, officially involved in credit business since 2008. After several years of development, the loan business has developed rapidly, but since the second half of 2014, credit risk began to gradually appear.In the current complex economic situation, A branch of PSBC has application value,how to set up A good image, to form the virtuous circle of the credit risk management.This paper used A branch of the Postal Savings Bank as the research object, by using the experience of domestic and foreign advanced commercial Banks, combined with the actual data analysis, the paper gave some suggestions on how to improve the PSBC credit risk management.The paper has seven chapters. The first chapter presented the background of the selected topic significance and reviewed the domestic and foreign research on this topic. The second chapter discussed the credit risk management.The third chapter analyzed A branch of the Postal Savings Bank of credit risk management status. The fourth chapter analyzed A branch of the Postal Savings Bank's problems of credit risk management.The fifth chapter analyzed the domestic and foreign advanced experience of credit risk management for reference and enlightenment.The Sixth chapter put forward perfect countermeasures of A branch of the Postal Savings Bank in the pre, present and post management point of view.The Seventh chapter is conclusion and prospect.