Research On The Business Credit Risk Management In H Sub-branches Of The BOCOM

As an essential component of financial system,commercial banks profoundly affect the economy development of our country.Among all the components of a healthy commercial bank,the risk management capability determines the bank's stability and profitability.Nowadays,credit business is still the most important business among commercial banking services;and therefore,the credit risk derived from is the focus of the commercial bank risks.Under the current economic downward pressure as well as the complicated economic environment,it is crucial for commercial banks to effectively manage the credit risk.This article consists of six chapters.Chapter 1 is an introduction chapter,which describes the research background,the meaning of the research,literature review,the applied research method,and contents of this study.Chapter 2 is a brief overview of the business credit risk management in three areas – the credit risk definition,the classification,and credit risk measurement tools.Chapter 3 analyzes two aspects of H sub-branch of Bank Of Communications including the introduction of its credit business and the status quo of business credit risk management.Chapter 4 studies the problems and the reasons existing in the business credit risk management of H sub-branch of BOCOM.Suggestions and solutions are presented in Chapter 5 to enhance the business credit risk management in H sub-branch of BOCOM.Based on my actual practice experience,Chapter 6 cites A company case to analyze the effects of business credit risk management in H sub-branch after the improvements.The article studies the business credit risk management from the status of the H sub-branch of BOCOM,and then presents the relative comments and suggestions to improve the credit risk management,such as strengthening the application of market and industry analysis,enhancing the ability of risk identification using the new information system,standardizing the using of credit risk measurement tools,and establishing the improved business credit risk management mechanism of H sub-branch,etc.In addition,the study and suggestions can be extensively applied in other basic sub-branches of BOCOM.