Research Of Credit Risk Control For DC Branch,Bank Of China

In recent years,as China’s economic growth is slowing down,China’s substantial economy is under pressure,Banks in China is also facing challenges from credit risk control,bad loans continue to emerge,the risk control measures in the past have been challenged,and we can clearly see the shortcomings of the existing risk control measures.Banks have a strong need for upgrades in risk control measures.This paper will take DC branch,Bank of China as an example,starts from the basic unit in the bank industry,hoping to clarify the current risk control system in DC branch,take every procedure into exam for its ability to perform in an ever-changing financial market.This paper begins with an introduction of DC branch’s recent status regarding risk control and so on.And then follows with the research of some cases that actually happened,with the help of fishbone diagram method,to look at several reasons which lead to the consequences of a bad loan,these reasons are personnel,product design,customer standard,working procedures and reply to policy.And then a thorough investigation into those reasons,to find the remaining problems now in credit risk control of DC branch.And then the author come up with methods to help elevating those problems,such as more training at work,enhance the awareness of risk,to look deeper into the product design,set up a dual-approve system in customer standards,refine procedures and more.The ultimate purpose of this paper is to elevate the work of credit risk control in DC branch through this research.