Research On Credit Risk Management Of Government Financing Platform Enterprises In CD Bank XA Branch

The government financing platform has emerged with the continuous development of the urbanization process in the country and the increasing number of urban construction projects that improve people's lives.It not only undertakes the function of urban infrastructure construction,but also provides a strong guarantee for the smooth progress of local government investment and financing.At present,under the policy environment of encouraging investment to stimulate the economy,such enterprises continue to grow and develop.As of 2013,there were more than 7,000 government financing platform companies at all levels in China,and the national government debt service scale was 10.89 trillion yuan.The self-development advantage of the government financing platform has been continuously amplified with the country's policy orientation,and commercial banks have also discovered that their huge economic interests are rushing toward it.However,in recent years,as the pressure of economic downturn and the government's debt accumulation have caused a large number of credit risks to erupt,the market has exposed many risk problems in the operation of such enterprises.Under this circumstance,the financial industry,especially the banking sector,has begun to bear the unprecedented pressure.As the core business of the banking industry,the credit business has been particularly pressured by both internal and external pressures.For a long time,credit marketing based on relationship marketing has been accompanied by an extensive credit development model that has caused huge expansion of bank assets,which has led to increasingly serious credit risks.The management and control of financial risks has become a top priority for the country in recent years.The prevention and control of risks by banks and regulatory agencies is imminent.As a city commercial bank,CD bank XA branch has always taken the government platform business credit business as the main business and profit source of our bank,and strive to provide more and better financial services for the government financing platform.But with the continuous promotion of business and the "new normal" of the national economy,the risk problem of CD bank XA branch in the government financing platform credit business is constantly emerging.In order to improve the ability to guard against risk and speed up the construction and improvement of the risk management system,new requirements have been put forward.The article takes the risk management of the enterprise credit business of the government financing platform of CD bank XA branch as the research object.First of all,the relevant theories are expounded.Secondly,we introduce the risk management of CD bank XA branch from the aspect of risk management framework,system,process and so on,and put forward the existing problems and causes of risk management.Finally,the optimization design of the risk management of the credit business of the government financing platform of the CD bank XA branch is proposed.And through some measures to ensure the implementation of the risk management optimization design.