Credit Risk Management And Control Of Bank Of China S Branch Company

Finance is the blood of economy,and financial stability is economic stability.With the continuous development of national economy,our financial system has been continuously improved,but commercial banks are still an important part of our financial system.It plays an important role in promoting economic development and supporting the real economy.As the core business of commercial banks,credit business plays a key role in the whole commercial banks.Therefore,whether to maintain the sound development of credit business is very important for the development of commercial banks.At present,under the influence of the financial crisis,the world economic situation is complicated and changeable,the economic development of our country is also entering a new normal state,the economic growth is changing from high speed to middle speed,the economic structure is undergoing profound adjustment,the economic environment of commercial banks is not optimistic,the risk factors are more and more,both external and internal factors,commercial bank letter The loan business is at the high risk period of frequent risk,the rate of non-performing loan is increasing and constantly eroding the business achievement.Therefore,it is very important for commercial banks to control the credit risk better for the steady development of commercial banks.It is only to improve the credit risk management ability and improve the credit risk control constantly.Measures can effectively guard against credit risk.Taking S branch of Bank of China as an example,this paper describes the current situation of credit risk management of S branch company in detail,and finds out the problems existing in credit risk management of S branch.This paper analyzes the causes of these problems carefully,finally draws the conclusion of the research and puts forward some suggestions for improving the problems and causes of S branch in order to promote the steady development of S branch of Bank of China.