Research On Credit Risk Management Of W Branch Of Agricultural Bank Of China

As China enters the new normal of economy,the transformation of the economy and the tightening of environmental protection have also posed challenges to the traditional economy.Taking W region as an example,the traditional labor-intensive economy has experienced a cold period of low profit margin and high cost.The credit expansion that began at the end of 2008 has long been the culprit of the massive credit defaults since 2014.At the same time,this also exposed a large number of commercial bank credit management problems and deficiencies.Improving the ability of credit risk management is not only related to the future competitiveness of commercial banks,but also related to the stability of regional financial order and then affects the economic development of a region.On the basis of field investigation and analysis,this paper analyzes the current situation of credit risk management of the W branch,Agricultural Bank of China.First,this paper briefly introduces the basic situation of the W branch,and makes a brief investigation and analysis on its personnel system,credit management and so on.Secondly,it introduces the economic characteristics of the W region and its economic development.As a result,many banks are attracted to compete in this area,the competition between banks is fierce,and the amount of credit is large.The private economy of W region is developed,and the labor-intensive industry,especially the textile industry,still has a large share in the economy.The economic characteristics of this area are closely related to the credit structure and risk characteristics of the W branch,Agricultural Bank of China.This paper analyzes the internal causes and external factors of the W branch.Among the internal factors,the defects of the credit management organization are first discussed.Mainly analyzes the independence of credit business and post establishment before and after loan.Secondly,the quality of credit practitioners is analyzed from three aspects: client manager appointment mechanism,systematic training system and salary assessment mechanism.Thirdly,the paper analyzes the risk management technology currently used by the W branch and puts forward some related defects,such as the rating model in use,the calculation of guarantee quota,the changeable investigation report and so on.Finally,the paper analyzes the credit management process from the aspects of investigation before loan and supervision of credit fund after loan.In the analysis of external factors,firstly,it discusses the economic characteristics of traditional private economy in W region,then discusses the existence of guarantee circle in W region,and finally,the lack of social credit environment in W region.Then,through the above analysis,combining with the debt default of H Group,one of the typical cases of the W branch in recent years,this paper further expounds the internal and external factors of debt default in actual credit management.After analyzing the reasons,this paper puts forward some suggestions for improvement from the aspects of management system,personnel system and cultural construction,risk management technology and credit process,guarantee circle,etc.Hope this can form certain reference meaning to the credit management of W branch,Agricultural Bank of China.