Study On Credit Risk Management Of Corporate Customers Of W Branch Of Agricultural Bank Of China

In the process of managing the commercial banks,the operation risk and market risk has attracted more and more attention.But the credit business,as the center of the commercial banks,brings the credit risk that is still the main problem people can't avoid.Public credit risk become the most direct embodiment of credit risk for some reason of a huge amount of money and so on.How to strengthen the management of credit risk and prevent and defuse the risk of credit effectively is an unavoidable problem for commercial Banks.Only by continuously strengthening the collection and analysis of credit data,and improving the existing management mode,can we improve the scientific decision-making of commercial Banks,thus reducing the credit risk and guaranteeing the safety of bank funds.So credit risk management shows its growing importanceThis paper takes the W branch of agricultural bank of China as the research object combines with the latest research on credit risk management at home and abroad and analyzes the principle of risk management.What's more based on comprehensive risk management theory,according to the practical situation it analyzed the existing problems of W branch.W branch is the second branch of agricultural bank of China.Its non-performing loan ratio increases year by year and became the first bank to break 2%.Among them,the high rate of corporate loan delinquent is the main reason.In 2016 alone,corporate loan delinquent rates reached 10 percentage points.So the priority is to reduce the bad rate of corporate loans.The current situation of W branch was investigated by collecting information of credit structure,process,business and other information of the corporate clients of W branch.Author carefully study the credit management system group,business process,pre-loan investigation,post-loan management of its corporate clients,combine the eight elements of comprehensive risk management to summarize the defects of W branch and discuss the improvement measures for W branch from various aspects in order to improve the management level and management ability of its own risk.So the challenges of the future can be dealt with better.