Study On Credit Risk Management Of Baiyin Branch Of Lanzhou Bank

Credit business is the most important service that commercial banks in our country provide for the operation and development of economy and society as well as an important source of income for the survival and development of commercial banks.Therefore,the quality of credit assets has a positive and important impact on the survival of commercial banks.As a not to be neglected risk in the development of commercial banks,credit risk has drawn much attention in recent years.A series of crises caused by credit risk are also the main reasons for the economic loss of commercial banks in our country.The main reason for this risk is that the current credit risk management in our country has not been implemented fully and specifically.Therefore,how to strengthen credit risk management has become the main content of China's financial research.In this paper,the Baiyin Branch of Lanzhou Bank as a practice object,the focus of research is improvement and innovation of its credit risk management system.First of all,through analyzing the development of its credit business and credit management,it puts forward that there are many problems in the bank's credit risk management at present,then makes a deep analysis of the causes of these problems,and finally determines the principles and goals of credit risk management system.Based on this,it is proposed that the construction of credit risk management system should start with the identification,measurement and control of credit risk.The credit risk management improvement plan of Baiyin Branch of Lanzhou Bank is put forward,which includes introducing Credit Metrics model,establishing efficient credit risk management system,improving the accuracy of loan classification,stricting accountability,establishing the credit business responsibility norms and constraints mechanism and attaching importance to comprehensive and professional training of team building.Finally,the paper compares the risk management mode before and after optimization and expounds how to effectively ensure the successful implementation of the plan and achieve the goal of improvement.At the same time,this paper analyzes the current risk management strategy of the Baiyin Branch of Lanzhou Bank.Based on this,it forms a strategy that is more secure and maintainable,and examines the feasibility of the strategy in all aspects.In addition,the analysis sums up the value and significance of the topic,and its universal operating mode can also be a way for the industry to gain development.