Research On Credit Risk Management In Anren Subbranch Of China Construction Bank Corporation Limited Hunan Branch

The development of small and medium-sized enterprises(SMES)to commercialbanks has brought unprecedented new opportunities,also with the unprecedented new challenges.The traditional credit system of commercial banks already cannot satisfy and adapt to more and more small and medium-sized enterprise capital demand,must want to structural adjustment and optimization of the system.This thesis reviews and combs domestic and foreign literature,from the development of bank credit risk,the system construction of bank internal rating and bank credit risk quantitative studies.And then,we make a brief review about the academic achievement and the necessity of further research.On the basis of the introduction what include the connotation and process of commercial bank credit business,risk management system and credit risk management theory,this thesis mainly discusses the general situation of the An Ren branch of China Construction Bank(CCB)for credit risk management,including the basic situation of the An Ren branch of CCB,this thesis uses an example on credit risk management for A company,focuses on dynamic financial index tracking measures of An Ren branch.Not only do the financial indicators of credit before the earnings risk and assess the credit rating of credit enterprise,but also judges and analyses the dynamic change of financial indicators after credit of the enterprise.Nonetheless,there are still problems in the credit risk management in the An Ren branch of CCB: Firstly,the credit risk management system is not perfect;Secondly,the enterprise credit rating method is not sound;Thirdly,supervision and management need to be improved.The fourth is the financial indicator risk identification is not careful.For these problems,this thesis puts forward the optimization measures on the credit risk management for An Ren branch of CCB.Firstly,the optimization measures about credit risk internal control system,they should establish the station supervision system of credit risk,improve the heterogeneous management system of credit risk and build the incentive and restraint system of credit personnel.Secondly,the optimization measures about credit risk management tools,they should use the dynamic evaluation method to tracking credit risk,use the modern quantitative model to evaluating credit risk and use effective financial instruments to slow-releasing credit risk;And then the optimization measures about credit risk information feedback,they should be attach importance to small and medium-sized enterprise creditinformation review,set up a joint credit risk management system and improve the ability of risk early warning information collection;The last optimization measures is about the credit risk in financial analysis.They should notice to the availability of the financial statements of the enterprise,improve the systemic analysis of enterprise financial and strengthen the sensitivity of the structure of financial data.