Research On Risk Management Model Of A-Bank Business Circle Loan Project

Commercial banks are the core of China's financial system and have always played an important role in the economic operation of our country.The steady development of commercial banks is the cornerstone of the smooth operation of the entire social economy.China's commercial banks still use credit business as the main source of income.Credit assets occupy a relatively high proportion of total bank assets,and therefore shoulder a high credit risk.Therefore,the management of credit risk has become key content of the risk management of commercial banks.Under the current rapidly developing economic situation in China,studying how to improve the risk management level of commercial banks in our country and maintaining a stable economic development is very important and of practical significance.This paper starts with the risk management of the business circle loan and selects the fast growing A-bank as the representative of the commercial bank.By referring to the advanced management experience and mode of domestic and foreign commercial banks,this paper deeply studies the risk management mode of the Abank business circle loan project.This article first introduces the definition,classification and characteristics of loan risk,it also elaborates the differences between loan project risks and general loan risks,and gives a detailed introduction to the theoretical basis and methods of A-bank's credit management model.Secondly,the author summarizes the status of A-bank's loan management model and the existing problems,and the causes of credit risk were analyzed from the social environment,borrower's credit,and interest rate fluctuations.Then,I first identify the loan risk of A-bank from three aspects: credit risk,market risk and operational risk.Then I introduce the loan risk measurement methods in three aspects: the loan before,the loan and the loan after.The paper analyzes the main content of the loan risk control system.Finally,the paper analyzes the risk management plan of a customer in the A-bank business circle loan project,uses specific cases of multiple customers,and manages A-bank loan projects from the aspects of product introduction,business circle customer analysis,and bank credit procedures.While summarizing the innovative features of the business district loan project,the problems existing in the risk management model of the commercial loan project will be identified and corresponding suggestions for improvement will be proposed.This paper analyzes the loan project risk management model in the case and finally finds that in order to improve the risk management model of the A-bank business circle loan project,it is necessary to change the rough pre-lending screening method in the current commercial loan project to increase the customer screening dimension;expand the loan information exchange channels to change the current single pre-lending and post-loan information acquisition methods;strengthen the allocation of professionals,improve the internal control of the business circle loans;and optimize the review of loan projects,strengthen the monitoring of loan projects.