Research On K Bank Heilongjiang Branch Credit Risk Control

K Bank Heilongjiang Branch was established in June 2009,the establishment of seven years,and always uphold the support of Chinese enterprises to go out and foreign high-tech,the introduction of scarce resources to the idea.As a policy bank,K Bank Heilongjiang Branch in Heilongjiang and Jilin provinces to invest in domestic and foreign investment in fixed assets and working capital loans to support local economic development,support local enterprise development,China's imports of wood from Russia,iron ore,etc.Resources to make a great contribution,but also for the two provinces of high-tech enterprises,agricultural export enterprises,agricultural industrialization enterprises to provide low interest rate funds to help the two provinces and the development of government enterprises to provide a strong financial support.In the rapid development of credit business at the same time,K Bank Heilongjiang Branch of the stock loans also showed a certain degree of risk.As of the end of 2015,K Bank Heilongjiang Branch of non-performing loans from the end of June 2009 when the establishment of 8 million yuan,an in crease of 167 times to 1.33 billion yuan,interest loans than the end of June 2009 when reflected in the establishment from scratch.In this context,K Bank,Heilongjiang Province,not only by the banking sector from regulatory attention,more faced with social public opinion from the pressure on policy banks.Therefore,it is of great practical significance for K Bank to realize the economic and social benefits by timely studying the measures of prevention and control of credit risk.This paper summarizes K Bank Heilongjiang Branch's organizational structure and the development of credit business by using the methods of normative analysis,qualitative analysis and VaR model analysis.The problems existing in the risk prevention and control are explored and the causes of risks are analyzed from inside and outside of the system.,So as to put forward measures to guard against possible credit risks,management and control.Through analysis,K Bank,Heilongjiang Branch of the main causes of special risks of credit business is the policy support of long-term loans and high policy support to support the industry concentration is high.The causes of credit risk are mainly from unformed credit risk management culture,irregular risk management process,unclear credit approval committee system,unreasonable age and professional structure of employees,unfavorable local economic environment,Asymmetric market information and other internal and external factors.Finally,in view of these problems and the causes of risk,put forward to improve the level of credit risk management and quality of the proposal.Specific measures include the establishment of an advanced credit risk management culture,the construction of the credit approval committee structure,and independent institutions to complete post-loan risk management process,improve the risk management information reporting system,the selection of professional team implementation of internal control standards.