Research On Credit Risk Management Of Tianjin Bank A Branch

As an important part of China's economic development,commercial Banks are the lifeblood of the country's economy.Compared with other industries,commercial Banks are faced with much series of risks,such as credit risk and market risk,in the process of operation.In recent years,China's financial market has been developing rapidly,and various financial institutions have launched financial derivatives,which has increased the credit risk of commercial Banks to some extent.At the present stage,China is in a critical period of economic transition,economic growth tends to be stable,and there are many uncertainties in the market.In order to better integrate with international practices,China currently implements the Basel new capital accord,promotes the rapid development of Internet finance,and the competition in the financial field is increasingly fierce.Many factors cross into one,which makes the traditional business model and operation and management of China's commercial Banks face huge challenges.After the outbreak of the financial crisis in 2008,the problem of risk management of domestic commercial Banks broke out.According to the survey data,more than 80% of the total risk losses of domestic commercial Banks are caused by credit risks.Therefore,it can be seen that establishing a sound credit risk management system of commercial Banks is very critical.Based on credit risk management theory,draw lessons from Basel ? recommended by the credit risk management methods.This paper takes the credit risk management of Tianjin bank A branch as A specific case study,and specifically analyzes the current situation,problems and countermeasures of Tianjin bank A branch in credit risk management,in the hope of finding out the defects and deficiencies of domestic commercial Banks in credit risk management.Based on the successful experiences and relevant theories of western developed countries,this paper explores the Suggestions on credit risk management of commercial Banks based on China's national conditions.Through the study in this paper,we find that in the current economic and social environment of China,the credit investigation system for enterprises in China is not fully perfected,there is no established perfect system and regulations,and the supervision is ineffective.This paper finds that the internal rating system of Tianjin bank A branch is not sound in credit risk management and cannot fully reveal the risks.Tianjin bank A branch lacks advanced credit risk quantitative management methods and comprehensive database.Tianjin bank A branch lacks professional talents in risk management.Tianjin bank A branch has not formed an effective incentive system.In this paper,based on the development of national economic environment and the actual situation of Tianjin bank A branch,countermeasures and Suggestions for the credit risk management of Tianjin bank A branch are put forward.