Research On The Risk Management Of Corporate Credit Business Of The Yinchuan GL Sub-branch Of Agricultural Bank Of China

The Agricultural Bank of Yinchuan branch is located in GL Chinese registered in December 16,2010,according to the head office,branch,branch,branch structure,the direct management of the Agricultural Bank of Ningxia branch China,organizational structure in the business sector to take the flat management in GL branch under the functional departments and branch.Business credit business is the top priority in the management and operation of GL branch of Yinchuan branch of Agricultural Bank of China,which has a great impact on the actual benefits of the bank.In recent years,the credit business of Yinchuan branch of Agricultural Bank of China has increased steadily,but its risk is also gradually appearing,which is not conducive to the stable development of the GL bank.Therefore,this paper takes the risk management of credit business in Yinchuan branch of Agricultural Bank of Yinchuan as the research object,hoping to find a more effective risk prevention and control measures to enhance the risk control level of Yinchuan branch of GL branch of Agricultural Bank of China.Taking Yinchuan branch of Agricultural Bank of China as the research object,this paper takes field survey,theoretical research and practical application,logical analysis and reasoning induction to study the risk management of enterprise credit business of GL.Based on analyzing the credit risk management of the existing research results,the bank credit risk management theory,combined with the present situation of the Agricultural Bank of Yinchuan branch of GL Chinese enterprise credit business risk and risk management of actual case,found the risk management of Agricultural Bank of China Yinchuan branch GL enterprise credit business,how to achieve the optimization and upgrading of the business process.Realize the whole process with high efficiency and high quality of the implementation of the proposed specific optimization scheme,and further puts forward the safeguard measures of Agricultural Bank of China Yinchuan branch GL enterprise credit business risk management optimization scheme.Through the analysis and study,the balance of loans in recent years,the Agricultural Bank of China Yinchuan branch GL enterprise credit business increased steadily,the enterprise loans before,but the overall upward trend,and shows obvious characteristics of industrial distribution.The risk management of the bank enterprise credit business problems include:the loan before the customer cognition for the material,the lack of field investigation;audit personnel risk awareness is not strong in the loan,the loan is a full release,is not conducive to risk control;credit customer manager not timely business loans changes in usage and guarantee the value of assets,the potential risk business loans lag.The fundamental reason lies in the efficiency of the loan before the loan requirements forced banks to reduce the risk control standards,professional credit control technology,lack of evaluation mechanism unreasonable customer manager loans after the loan review,light marketing management staff's comprehensive quality is not high level of supervision work efficiency etc.Based on the status quo,problems and reasons,this paper firstly puts forward the optimization scheme of the Agricultural Bank of China Yinchuan branch GL enterprise credit business risk management:the investigation process of construction of standardized loan,the borrower to verify the relevant information,a comprehensive grasp of the fair value of the use of the loans and mortgage borrowers,strengthen the management of credit records query;review the loan outstanding operating income strictly,the corporate loan business lending process management,strengthen the management of Guarantee Corporation,making the threshold standard,guarantee agency audit process and exit mechanism;after optimization of organizational structure and personnel allocation,strengthen monitoring after loan,building the monitoring system of enterprise credit business loan repayment funds,strengthen the front,middle and back linkage check system strict implementation of the loan.Secondly,it puts forward the safeguard measures for the implementation of the optimization plan,including risk management,professional team building,risk management,long-term cultural construction and risk management.