Research On Credit Risk Control System Improvement Of Bank Of Lanzhou

As a city commercial bank,Bank of Lanzhou has achieved certain results by the continuous development in recent years.But today's complex economic situation puts a higher requirement on risk management.The main profit of Bank of Lanzhou is still from the credit business,so this paper mainly focuses on credit risk management.This paper expounds the current situation and research of credit risk management at mainland and abroad,and then clarifies the basic train of thought and direction of domestic credit risk management.This paper discuss the current situation of credit risk management of bank of Lanzhou,including the background,summary of business,financial status and staff status,and point out the problems existing in Bank of Lanzhou's credit risk management at this moment.Combine with regulatory requirements to identify credit risk management solutions on a clear basis.By studying the characteristics of non-performing loans in recent years,widely collect data,which will support the model in the improvement scheme.Finally,put forward the improvement scheme of Bank of Lanzhou's credit risk management.Build performance appraisal model based on the causation analysis of economic capital management.In addition,focus on the pre-loan and post loan to improve the credit rating,enhance effectiveness of risk mitigation,refine credit risk classification,strengthen the accountability and construct the credit culture.At the same time,this paper makes an overall evaluation of Bank of Lanzhou' credit risk management scheme,and finally part is the outlook of credit management.