Research On The Customer-focused Credit Risk Management

With the continuous development of our country socialist market economy, the speeding up of global economic integration development, from the risk in the economic activities are also increasing, and the normal operation of a great threat to our country economy. In today’s economic financialization degree deepening, financial risk in the economic risk has become one of the important component.In the financial system in our country, the leading role of commercial Banks, no doubt, many financial risks and the connection between the commercial bank is very close. In the business of commercial Banks, the credit behavior is the main business content, therefore, the occurrence of credit risk has become the main risk faced by commercial Banks. Between groups of commercial Banks in China, the number of overall present a rising trend, and the profitability of commercial bank has important influence. Due to the different customers in the social credit, asset scale, the business performance of different advantages, this makes the commercial bank in the treatment of different customers on credit. However, because a lot of commercial bank credit risk management existence question, thus brings to the commercial Banks to varying degrees of loss.At home, MS Banks take the lead in establishing the customer as the center of the management pattern, internally called the division system, this article is in MS bank, for example, introduces its internal unique architecture and risk management system, and points out the advantages and disadvantages of division system. Asset quality of metallurgy division based on the analysis of the situation, with a specific credit case analyses the risk factors, in recent years the emergence of new risk factors, this paper gives a detailed analysis, such as pallet, shadow banking and trade to borrow, points out the risk point and the adverse impact of quality of bank assets, targeted put forward some identification, monitoring the risk management measures. In conclusion, this paper points out that in the face of the new economic situation, take the customer as the center of the risk management model has its advantages, as a bank, should be on the basis of carefully analyzing the characteristics of the iron and steel enterprises, the use of the advantages of take the customer as the center of the risk management model, improve the specialization degree, and by using the established data resources compared to the customer, identify the potential risk of the customer, and take corresponding measures to resolve the risk or minimize risk. In this paper, take the customer as the center of the management model and in recent years, the emergence of new tray, shadow banking, trade, borrow etc factors on the risk management of bank credit risk management has a certain reference significance.