HZ Bank Of Communications Credit Business Risk Control Research

With the development of China's market economy, the main operating various types of market demand for financial and credit expansion, while the financial and credit business is the most important commercial bank's core business, scale of operation and the corresponding level of credit risk in the financial credit of commercial banks operational efficiency and even its survival and development plays an important key role. Especially during international and national macroeconomic fluctuations in the state stage, the course of business of commercial banks will inevitably encounter the problem of credit risk control. In recent years, HZ Bank started explore ways to strengthen the financial system and method of the Bank's credit risk management in China under the normal operation of the new macroeconomic background, this paper as a case to the relevant research analysis. First, this paper analyzes the causes HZ Bank credit risk control issues, including issues related to the credit risk control environment is weak, the lack of specific credit risk control, increasing the risk of credit card business, supervision and internal control arbitrary and so on. The results show that these issues are the macro and micro environmental factors, environmental factors lead to joint action by the HZ control credit risks. Among them, the macro environment factors include:theoretical research in the initial exploratory stage, the relevant laws and regulations are not sound, the internal micro factors include:credit risk management concept outdated, credit risk control system is not perfect, credit risk control system is not perfect and so on. Thus, this paper theory of effective demand, integrated asset-liability management theory, the theory of fragile credit and other commercial banks financial risk management and control theory, risk control methods using financial ratios, as well as learn from the advanced management experience, and effectively implement the "Law on Commercial Banks "," basic Principles loans "and other rules and regulations, proposed a targeted program to improve the HZ Bank credit risk control status of its implementation suggestions, such as improving the internal control system of credit, credit assets structure adjustment, improve customer risk control processes, strengthen financial supervision and strengthen personnel training credit, and its implementation process, there are still problems and the effect of the implementation of the analysis and evaluation. To improve and upgrade the HZ Bank's credit risk level of financial control practice has practical significance.