A Research On Company Credit Business Risk Management Of PA Bank

PA bank Shenyang branch officially opened in 2014.As one of the most dynamic commercial Banks in China at present,PA bank Shenyang branch involves various kinds of approaches to business model,from the original traditional credit business gradually developed into the emerging capital market credit business,the diversity of business and innovation to the seriousness of the risk,makes let public credit business risk management PA bank Shenyang branch of the important problems need to be solved.This paper selects the influence of the development of bank credit business as the research object,based on the PA bank Shenyang branch of the current research on risk management of public credit problems,the suggestions are helpful for the further development of PA bank Shenyang branch.This thesis is divided into six chapters,the first chapter is introduction;the second chapter is the development of the bank credit risk management and advanced experience for reference;the third chapter elaborates the PA bank Shenyang branch of the status of public credit risk management;the fourth chapter is the analysis of the PA bank Shenyang branch of public credit risk management problem in the work;the fifth chapter countermeasures to improve the risk management of public credit of Shenyang branch of PA bank;the sixth chapter is the conclusion.The research focus of this paper is as follows: firstly,PA bank Shenyang branch has set up the internal institutions of the credit risk management department,and the lagging behind the management system has formed the restriction on the development of the public credit business.Secondly,PA bank Shenyang branch is lack of technical capacity,the assessment mechanism is not perfect and the staff business capacity is low,to PA bank Shenyang branch of the credit business has brought great risks;Third,through learning from the Bank of America,Citibank in the credit business risk management Experience,combined with the current Shenyang branch of the credit management business risk management in the lack of credit concept cultivation,credit risk model and other issues of poor reliability for the Shenyang Branch of the credit risk management to seek an improved approach.The features and innovations of this paper are as follows:(1)Through the establishment of a unique public credit approval department,you can reduce the workload of the head office approval,while the approval of the two-tier can reduce credit risk to a certain extent.Through the establishment of the public credit review department,the professional responsible for the user's credit investigation.Review the Department with different levels of management departments to communicate directly,so that the whole process is more simple and clear.(2)Through the improvement of credit risk assessment methods,to determine a reasonable amount of credit for different users,and enhance the management of credit later,the establishment of early warning and response mechanisms to improve the management of technical capabilities.So as to effectively control the risk management of the whole credit business.(3)Through the establishment of performance appraisal system of risk indicators in the customer's business as the main content of the examination,not only the credit business exhibition industry and the number of the specific amount of profit,but also pay attention to the quality of all credit business,to stimulate the credit business risk management personnel work enthusiasm,and ultimately achieve the purpose of risk control.