Diagnostic Report On The Credit Risk Management Of Mintai Bank

Since the US subprime mortgage crisis,under the situation of the global economic downturn and the slowdown in China's economic growth,the development of China's commercial banks remained strong,especially city commercial banks in recent years to achieve the rapid development of asset size,however the credit risk and non-performing loans increased at the same time.Since 2012,some enterprises in Wenzhou,Zhejiang deeply affected due to funding chain issues,leading to the emergence of unsustainable business and corporate fleeing,and subsequently led to a security chain risk,appearing a large number of business failures,the risk continues to ferment and gradually spread to Ningbo and Hangzhou.Given this,the banking sector in Zhejiang which is closely related to the enterprises was pushed onto the cusp.So it is very important for city commercial banks to go on the credit risk management diagnostic analysis to identify problems and find out the solutions.This paper chose a representative city Commercial Bank in Zhejiang-Zhejiang Mintai commercial bank for the study.Firstly elaborate the meaning,methods and characteristics of bank credit risk management,and combined with the relevant theories,analyzed current situations of credit risk management at home and abroad;secondly go to resolve based on the current status quo of Mintai bank credit risk management;Thirdly a study for Hangzhou Branch of Mintai Bank,more than 170 client managers do the questionnaires and field investigation,and build multi-ordered Logistic Model for empirical analysis.The results showed that:the age of Client Manager,household loans,the proportionloans of offsite loans are in a significant positive correlation of NPL ratio,while the industry type,compliance of loan management,and clear efforts to non-performing loans to NPL ratio have a significant inhibitory effect.Finally,according to the diagnostic results,the paper give some relevant policy recommendations from four points:market positioning of banks,risk management system,NPL collection management,client manager team building.This paper uses a combination of theory and practice methods,to conduct field research for all official account managers in the Hangzhou branch,and combined with Risk Management Department,the Legal and Compliance Department and Business Management Department to do a comprehensive evaluation,using SPSS 17.0 to empirical test,to identify the factors affecting the rate of non-performing loans,for improving Mintai bank's risk management has practical significance,while other commercial banks risk management also has some reference value.