Chengdu Guanghua Branch Of SN Bank Public Credit Business Risk Control Research

Under the influence of the global economic system reform of our country in great changes of the operation mode of the financial markets. Commercial Banks in order to adapt to economic system reform, starting a new exploration on loan business. Commercial bank initially formed pillar industry is asset business and intermediary business, rely on weak lending profits, JieSuanLiang and fees to profit, but has now been applied to the current bank profit model. Commercial Banks began to toward the industry carries on the preliminary exploration and implementation of the credit. At present, the bank performs credit business open, brought huge business opportunities for the development of Banks. Contrary to the advantage of credit business mainly on the basis of credit settlement business increased fees, also can add bank JieSuanLiang. So public credit business is not only promote the development of the banking intermediary business and settlement business, has gradually become the backbone of bank business as well as the main business. However, one of the main disadvantages is risky business credit business. Public credit business operation risk loss rate is far higher than that of improper accounting behavior and personal business operation.With SN guanghua branch in chengdu as an example, this paper first to let public credit of commercial Banks credit business overview, secondly to chengdu SN toward guanghua branch credit business risk management present situation analysis, analysis of SN in chengduGuanghua school branch of the current situation and problems of credit risk, analyze the reason, the research of the chengdu guanghua SN bank branch credit risk management theory level system of the business, finally puts forward related Suggestions. In this paper, using a variety of methods to explore, such as empirical, system, comparative analysis method to comprehensive, solve the problem of credit risk is higher. Thus to put forward the pertinent opinions brought to grant credit business risk. Hope that this article research of chengdu guanghua SN bank branch for granted business risk control is effective.