The Research About Credit Risk Control Of HR Bank Xiangtan Branch

One of the risks of commercial banks most in need of attention is credit risk.In the new economic normality,with the continuous development of domestic and international economic and financial environment,accelerate the reform process,China's commercial bank credit risk management is facing unprecedented challenges.In the domestic economy is in a downward trend,commercial bank credit risk control stressful stage,for the credit risk control study its necessity.Thesis describes the background and significance of this research,research ideas and research methods at home and abroad research literature review,the paper's content structure arrangements,innovation and inadequate.Second,an overview of the commercial bank credit risk control theory,the main contents include commercial bank credit risk characteristics and influence,sources of credit risk analysis,measurement of credit risk analysis,commercial bank credit risk control model.On this basis,introduces the research object of the HR Bank Xiangtan Branch credit situation,mainly uses the five-level taxonomy,credit rating method and Logistic model of the bank credit assets is analyzed.Next,analysis the cause of the HR Bank Xiangtan Branch credit risk.Finally,put forward the HR Bank Xiangtan Branch credit risk control countermeasures and suggestions,solutions are provided for the above questions.Through research,enrich the theory of the risk management of commercial Banks and measure method,to improve the credit risk management level of the the HR Bank Xiangtan Branch,rationalization proposals are given for the HR Bank Xiangtan Branch,raising their profitability,help improve the market competitiveness of the HR Bank Xiangtan Branch,helps to reduce the total risk assets,improve the overall image,improve market competitive position.