Credit And Risk Management On Problems And Countermeasures'research Of Icbc Branch In Heilongjiang Province

The American subprime mortgage crisis caused turbulence of the Wall Street.It affected global economy generally and exposed the weakness of banking system.As a result of this crisis,some large-scale American financial institutions were at the edge of bankruptcy.In order to establish an effective risk management mechanism for Chinese Commercial Bank in the long run,we had to be stick to three criterion: sustainability,stabilization and normalization.At the current stage,banks were still at dominant position in Chinese financial system.In 2015,China's social and economic downward trend is obvious,the overall economic environment is facing a certain development pressure.Under the pressure of internal reform and external competitions,the difficulties and risks of banking system could not be ignored.ICBC as the largest state-owned commercial banks in the Heilongjiang province,while vigorously developing the credit business,along with the credit asset quality fluctuations.Credit risk is becoming increasingly prominent,has become the impact of ICBC Heilongjiang branch of the business department of the outstanding contradictions in the development of credit business.How to determine the credit risk management objectives,improve the efficiency of risk management,has become an important issue to be considered.This paper describes(rating,credit,guarantees,authorization,approval,duration management,asset classification)of the Industrial and Commercial Bank of China's current credit risk management systems and the analysis of the business department at the present stage of credit risk management status,find business department Credit Risk Location inadequate management philosophy,overall quality can not fully meet the needs of business,credit business process is not perfect,there is a lack of monitoring and early warning technology is not perfect in four areas.To solve these problems,we propose the correct positioning of the credit risk management philosophy,focus on risk managers quality training,strengthen credit management processes,and improve risk monitoring and early warning mechanism and other aspects of the solution,with a view to further improve the credit and Commercial Bank of China Heilongjiang BranchOffice of risk management,the purpose of further prevention and resolution may occur in the future credit risk.