Jingdezhen Branch Of Agricultural Bank Of China In Economic Transition Research On Credit Risk Management

Commercial Banks as the main body of management risk,credit risk control has been working as a top priority,in recent years,with the trend of world economic integration and the deepening of the reform in our country,the domestic and foreign economic situation is complicated,the credit risk of triggering factors show the diversity and complexity,various financial institutions to credit risk prevention and control work is facing unprecedented pressure.Especially the new levels of the current our country economy transformation,in phase shift throes,and economic development stage,dividends disappear three overlay,during the economic transition,economic growth is slowing,economic structural contradictions increasingly prominent,part of the industry wither,behind the excess capacity,"financial market being hotel while economic entity being cold" phenomenon is outstanding,the demand for credit is weak,the banking non-performing assets rising gradually,Agricultural Bank of China Jingdezhen branch as a large sample of jiangxi province secondary branch also faces huge pressure to control risks,from the current has been exposed to risk,risk control of the situation is not optimistic.Based on Agricultural Bank of China Jingdezhen branch as the research object,this paper adopts the theory of practical application,the quantitative qualitative study method,combined with domestic and foreign about the credit risk management theory,analyzing the current situation,the main causes of credit risk,according to ABC jingdezhen branch credit data at the same time,the analysis of Agricultural Bank of China Jingdezhen branch situation and existing problems of current credit risk management,and its clear during the period of economic transformation in overall mentality and characteristics of credit risk management countermeasures.