The Research On Credit Risk Management Of Shanghai Pudong Development Bank Harbin Branch

As an important part of bank risk management, credit business risk management plays a pivotal role in the management and development of banking financial institutions. Since 2014, China has been faced with economic structural adjustment. Heilongjiang province belongs to a large province of traditional energy, its economic development is greatly restricted, and economic downturn signal appears frequently, putting forward higher requirements to the risk management ability to local banking credit business. By referring to the advanced experience and research results of credit business risk control of commercial banks at home and abroad, this thesis analyzes the existing credit business process and key risky points of SPD Bank Harbin Branch, and concludes relevant recommendations so as to provide numerous beneficial directive opinions for the credit business of the branch to develop better and faster and improve its risk management level. Combined with theory and actual cases, this thesis carries on data gathering through field inspection, questionnaire survey, conversation and the like, analyzes problems and puts forward suggestions by means of comparative analysis, case study and so forth. It introduces the present situation of the credit business of SPD Bank Harbin Branch in detail, focuses on investigating the six major risk links in the credit business of Harbin Branch, namely credit business access, credit investigation, credit review, credit approval, payment with letter of credit, post-loan management as well as the main risks faced in each link. At the same time, it analyzes the difficulties in risk control from the perspective of specific risks faced by part of credit business varieties. Finally, it comes up with concrete suggestions and implementation plan according to the current imperfections in the daily risk management of credit business of the branch. In the phase of credit access, it focuses on the identification of guarantee chain customers and cuts off the guarantee chain risks from the source of credit. In the phase of credit investigation, it offers measures and proposals to credit business investigation as well as the detailed strengthened risk prevention and control in credit business investigation report. From the perspective of the requirement raised by credit business on credit investigation and review, it puts forward recommendations and specific practices to strengthen credit business industry research. Faced with the branch's present credit business post-loan management link with comparatively larger room for improvement, it provides reasonable suggestions respectively from three angles, namely institutional improvement, off-site inspection, combination inspection with risk classification, strengthening asset preservation business information management. Through the proposals of the above specific measures, it presents a relatively complete improvement plan for the existing daily risk management work of the branch. In the meanwhile, in accordance with the specific risks faced by part of the credit business varieties in the branch, it puts forward practical and feasible solutions. As a result, it will have certain reference significance for the risk management of credit business in SPD Bank Harbin Branch.