Huaxia Bank Credit Risk Management

Huaxia bank service is based on the local commercial bank,the development of the national economy played a role can not be ignored.But the present stage of bank credit business suffered a dilemma in the constantly advancing.Considering from the perspective of long.term development,find the problems in the bank credit risk management,improve management strategy,promote the rapid development of credit business,is the inevitable requirement of huaxia bank business development.Paper is the first step of huaxia bank to explore on the issue of credit business reasons,found that due to the affected by internal and external environment and the system of national government,made on the pledge system,the credit risk management process and risk index selection is not suitable for the development of Banks and bank customers good questions.Credit risk management experience at home and abroad for reference,then from the general situation of huaxia bank,huaxia bank credit business in recent years by analyzing the data,reveals the huaxia bank in credit risk management of credit risk management process is missing,limits incomplete management system,unclear functions between departments,risk evaluation index is too single practical problems,such as formation of internal and external reasons and analyses the problem,from the root of reason,put forward the design scheme,fundamentally solve the problem.Finally paper closely with the credit risk management process,put forward the perfect credit risk management process,the rich risk evaluation index,set up department clear functions and limits system optimization strategy recommendations.At the same time,to ensure that the development strategy can be implemented,the training professionals are put forward to support the credit risk management system.Establish incentives to motivate employees;Build the culture atmosphere of the bank,establish good values.Through the above design,combining the actual management of huaxia bank credit risk management objectives and management system design idea,the huaxia bank set up a relatively perfect credit risk management system.