Study On The Business Credit Risk Management Of Postal Saving Bank Heilongjiang Branch

Since 2007,China's financial markets open after all,in the face of foreign banks and financial groups to enter,domestic commercial banks began facing unprecedented tough competitive environment and survival pressures.Foreign banks and financial groups in Europe and the financial markets experienced a hundred years of economic baptism on capital strength,the type of financial instrument,credit business risk management systems have a strong competitive advantage.In such a competitive environment,Heilongjiang Postal Savings Bank in addition to external competition and challenges to meet,but also to accelerate their development and management reform,accelerate the transition to commercial banks.By credit business risk management agencies organization,systems,people and process management,the proposed risk continues to increase,the pursuit of business development and risk consciousness,personnel management,credit customer risk identification control problem issues and analyze problems external and internal causes.Elaborated Heilongjiang Postal Savings Bank credit business risk identification system using credit rating,state and industry policy concerns,such as the way to identify early warning signals;credit risk control system using the developed program,before the credit business background separation,separation of loan approval,the key focus of credit business prevention and control mechanisms for managing the conduct;risk overdue and disposal system using NPL collection,disposal of bad debts written off.Finally,the establishment of specialized credit risk management team,the development of regional credit policies,improve staff reward and punishment mechanism,build a good credit culture safeguards.