Research On Risk Management Of Public Credit Business By S Bank A Branch

During the 1990 s,China began to develop the socialist market economy.And until now a relatively comple1 te system of market economy has been established.Under the pressure of financial deregulation,peer regulation and interest rate liberalization,the development of commercial banks has faced enormous challenges,commercial banks net profit growth in 2016 was 5.46%,it is been two years of negative growth.At the same time the company credit business is the most traditional business of Chinese commercial banks,before the commercial banking retail and intermediary businesses mature,corporate credit is fundamental to a bank's survival,it is also the best contributor to the spread,the main source of profits for banks.It can be seen that the company credit business is closely related to the bank's net profit.Firstly,the paper summarizes the risk management theory of commercial banks related to public credit business.Secondly,according to the current situation of public credit business and risk management of S Bank A branch,taking B company credit business as an example,this paper reveals the risks in the credit approval process,and summarizes the problems of public credit risk management of A branch;Thirdly,a credit risk identification model based on the financial statement perspective is constructed to provide a basis for a sub-branch A to market customers and to judge whether they can access the customers.Finally,the paper summarizes some suggestions for improving the risk management of public credit of sub-branch A.At present,Chinese commercial banks face an unprecedented serious challenge to the growth rate of net profit.Whether the commercial banks credit assets are safe or not,not only determines the level of their own profits,but also relates to the security and stability of the entire social and economic system.Credit risk is also one of the most important risks facing Chinese commercial banks.The control and management of credit risk are neglected.Based on the research of risk management of public credit business of sub-branch A,this paper aims to draw attention to the risk management of commercial banks,and make some suggestions for the sound and steady development of commercial banks in China.