Research On Credit Risk Management Of Tonghua Branch Of Postal Savings Bank

This paper first expounds the research background and significance of the risk management of the post storage bank in Tonghua branch.And the related research status and development trend at home and abroad.Research content and research methods and the innovation point of this article.An overview of related theories.The meaning of risk management,An overview of credit risk management in terms of goals and functions,And mainly including the meaning and function of credit risk management,Connotation and characteristics,Classification and so on.Tonghua city post office bank branch since 2008 began to do the credit business,has always been to "service to agriculture,rural areas and farmers,to support the local economy development" the principle of relying on the tonghua regional economic characteristics,efforts to expand our business scope.Now began to do credit products are: personal small loans,personal business loans,personal consumer loans,second-hand housing loans,small business loans,etc.Through unremitting efforts,in tonghua city branch finish transforming to modern commercial Banks at the same time,in the process of regional economic development,boost tonghua play an important role.Increasing,but with the size of the loan,bad loan risk problem has become the main obstacle that baffles the development of tonghua city branch,become the important reason of optimizing the quality of credit assets.Although tonghua city branch will have been all loan business benign development as the goal,but because of the lack of high-quality personnel,the system construction is not perfect,understanding of the risk does not reach the designated position,so to achieve this goal,through staff training,system consummation,the correct understanding risk,establish perfect credit risk system construction,balance the relationship between the business development and risk control.In this paper,in this paper,the postal savings bank risk management of tonghua city branch problem research background and significance,as well as the related domestic and foreign related research situation and development trend,the main research contents and research methods and innovation points in this paper.Overview on relevant theories.From the meaning of risk management,goal and function of the overview of credit risk management,and mainly includes the meaning and role of the credit risk management,the connotation and characteristics,classification,etc.To the post office bank tonghua city branch summary statement;Post office bank credit risk management of credit risk management problems;Analysis of credit risk management of credit risk management problems.And through the understanding of foreign commercial bank credit risk management practices and the revelation and foreign business of commercial bank credit risk management experience,typical model and enlightenment for our country commercial bank.Through the actual problem study of tonghua city branch post office bank to find the post office bank branches tonghua city branch of the credit risk management measures,in order to improve the post office bank tonghua city branch of the overall management level of credit risk.Combining with the main research conclusions,the limitations of research and the post office bank tonghua city branch of the credit risk management research summary and prospect.