Research On Risk Control Of Ping An Bank X Branch Loan Business

In recent years,the non-performing loans of commercial banks have continued to increase,the quality of assets has continued to deteriorate,and bad loans have serious negative effects on commercial banks.It is very important to strengthen the control to the risk of loan business.When the performance of Ping An Bank is high-speed growth,the size of non-performing assets and non-performing loan rate is also rising.It has affected its own development.The loan business of X branch of Ping An Bank no exception has a high risk.Therefore,the paper takes X branch of Ping An Bank that the author's work unit as the research object,with non-performing loans as the starting,point,to study the risk control of the loan business,to provide some advice for the Bank to better control the risk of the loan business.In order to improve the quality of the loan assets of X branch of Ping An Bank,disperse loan risk,and speed up the collection of non-performing loans.The paper is divided into six parts.The first part is the introduction.The second part is the introduction of the related theories of the management of non-performing loans.The third part mainly introduces the current situation of the management of non-performing loans of X branch of Ping An bank.The fourth part mainly puts forward countermeasures aiming at the non-performing loans management problems of X branch of Ping An bank.The fifth part is mainly on the implementation,and provides the safeguard measures to ensure the smooth implementation of the program.The sixth part is the conclusion.The research mainly adopts the methods of literature research,investigation and others.The main conclusions are as follows:(1)The non-performing loans of X Branch of Ping An Bank show a trend of "double rise",and the concentration of non-performing loans of the industry and customers is high.The recovery and disposal is relatively difficult.(2)From the perspective of loan business risk control,the non-performing loans of X branch of Ping An Bank is higher because the loan business processes has loopholes in all aspects.(3)The main reasons for the high risk of X-branch loan business of Ping An Bank are as follows:the overall quality of customer manager needs to be improved,the bank's incentive and restraint mechanism is biased and the construction of compliance culture is weak.The main features of the paper are embodied in research object,the breakthrough point,and the logic line of the research.(1)Take X branch of Ping An Bank as the research object,with non-performing loans as the starting point.In recent years,the non-performing loans of X branch of Ping An Bank are "double rise" phenomenon,the problem of non-performing loans is increasingly serious.It is an urgent need to address the key issues.Not only the pertinence of the research is stronger,but also the realistic meaning and the application value of the research are highlighted.(2)Take the loan business process as a guide to build the logic of the main line of research.This paper analyzes the problems in the loan business of X branch of Ping An Bank from the three aspects of before the loan,loan and after the loan.It also puts forward the optimization plan from the three aspects.The advantages are that the logical line is clear,and the optimization scheme is more targeted and practical.