Research On Credit Risk Control Of Pingan Bank

With the rapid development of China's economy,the development of financial industry is very rapid,and also gradually has a very important role in the national production and life.As a service industry,financial industry has a very important proportion in the overall economic activities.With the continuous development of China's tertiary industry,Banks,as traditional and typical institutions,are developing at an amazing speed.In terms of the scale of liabilities and the scale of credit operations,the state-owned larger Banks and large joint-stock commercial Banks have a stable foundation and a large base,but their development speed is relatively low compared with that of urban Banks.In recent years,urban commercial Banks have achieved rapid development under the background of strengthened historical background,but the hidden dangers brought by rapid development also need to be avoided as much as possible through scientific management.In this paper,the research mainly study of ping an bank credit risk control,using empirical analysis,comparative analysis,literature analysis methods such as comprehensive analysis of ping an bank credit risk control problems,find the problem causes,and from the internal environment and external environment construction two dimensions by studying the countermeasure of optimizing credit risk control of credit risk prediction and management of scientific,standardized,to stabilize the pingan bank has been a steady rise in the healthy development of the business and the business indicators provide powerful guarantee.The research of this subject is divided into four chapters.The first chapter is the introduction,which elaborates the overall research of this subject,including the research background and significance,as well as the analysis of the theoretical basis involved.Chapter two analyzes the present situation and existing problems of credit risk control of ping an bank.First of all,the basic situation of ping an bank is expounded,including the guarantee mode in the development historic credit business of ping an bank,the internal environment and external environment,etc.,which are analyzed and studied.Then,this paper expounds the current situation of ping an bank in credit risk control and puts forward some problems after analyzing the current situation.Chapter three analyzes the causes of the credit problems of ping an bank at present.After the analysis of ping an's credit problems,the causes of the problems in this chapter are analyzed,and the existing problems of the Banks are analyzed to provide the basis for the subsequent optimization design.Chapter four is about the optimization design of credit risk control of ping an bank.Finally,the summary analysis,in this paper,on the basis of the analysis of the summary and analysis on the work of the whole,the analysis of the contribution and deficiency,and to summarize the pingan bank risk management analysis,reject to the analysis of the current economic situation changes,the ping an bank need to where should further perfect the control measures were put forward.This paper analyzes the research in view of the most common ways of guarantee,and in the various asset preservation means has carried on the comparative analysis,analyzed prone to risk,and easy to cause the loss of associated guarantee background and risk management measures,to scientifically guide suggestion and put forward Suggestions and constraints,as far as possible to reduce the bank may be taking risks and losses.At the same time,the continuously optimized credit risk control mechanism is also the need to meet the maximization of the operation interests of the bank and promote the continuous progress of its products,services,talents,science and technology,which is of great practical significance to improve the market competitiveness of ping an bank and promote the development of national economy.