The Research On Enterprise Loans Risk Management Strategy Of AK Bank Changchun Branch

The demand for credit assets of commercial banks in China is increasingly diversified,making the enterprise loan business extended from the initial liquidity loan to fixed asset loan,stock pledge loan,foreign exchange pledge loan,syndicated loan,bank acceptance bill,bank acceptance bill discounting,recourse domestic factoring and it's still expanding along.When compared with other commercial banks,the loan amount of the enterprise loan business is very large,the scale of the group is more extensive,the customer region is more scattered and the risk is more significant,which plays a decisive role in the quality of the credit assets of the commercial banks as a whole.Therefore,the healthy development of enterprise credit is related to the quality of bank credit,the stability of bank income,and the steady operation and future development.This article is based on this background,taking the AK Bank Changchun Branch as an example,the current enterprise loan business risk management is discussed in depth.Through the analysis of the current situation and existing problems of AK bank enterprise loan business risk management,and combining the current situation of the actual development of the enterprise loan business in various regions,the loan business of the Changchun Bank of the AK bank is explored.We should implement effective risk management and risk guarantee implementation so as to achieve the purpose of compliance operation and healthy development,and effectively prevent risks arising from credit business.In the course of the article,this article mainly adopted a variety of methods such as literature survey,case analysis,experience summary and multidisciplinary comprehensive analysis.First of all,from the background of the overall enterprise loan business development to the actual case article of the AK Bank Changchun Branch,from the cause analysis to the countermeasures and suggestions,the structure of this research structure was systematically determined.Secondly,this research adopts the multi discipline comprehensive analysis method to analyze the actual situation of the enterprise loan business of AK Bank Changchun Branch,points out the problems and designs the improvement strategy.At the end of this study,the research comprehensively applies the theory of information asymmetry,game theory,credit rationing theory,and the theory of economics to study the thesis in many angles,so as to ensure the comprehensiveness and scientificity of the thesis.According to the problems in the risk management of AK bank Changchun branch,this paper puts forward some suggestions on the reform of the system,the improvement of the business process,the change of the way of the insurance,the application of the information management system,the improvement of the approval process of the credit business,the improvement of the salary system,the change of the post loan management and the full use of the auxiliary tools of innovation.It provides a theoretical and practical basis for the risk management of enterprise loan business of AK bank Changchun branch,and has certain practical significance.