Research On The Problems And Countermeasures Of Energy Credit Assets Of Minsheng Bank In Inner Mongolia

As an important part of the financial system,commercial banks not only affect the speed of economic development,but also affect the stability of the society.Different from other industries,banks use currency management as a way to obtain profits.At this stage,the competition among commercial banks in our country is getting fiercer and fiercer.Banks obtain more profits mainly through credit business.With the continuous increase of credit business and innovation,commercial banks also face an increasing risk.How to control the credit risk is directly related to the life and death of commercial banks.Minsheng Bank is relatively late in developing its credit business and is still in the exploration and development stage.It hopes that through its credit business,Minsheng Bank will accumulate experience and improve its credit business risk management system.According to Minsheng Bank in the first half of 2017 total loans of 2.7 trillion,the non-performing loan rate of 1.69%,45.6 billion non-performing loans,which is relative to 1.22% last year,the rate of increase is still great,this non-performing loan rate rise is A commercial bank do not want to see.Therefore,how to better control the risk of bank credit business is a problem to be solved before Minsheng Bank and major commercial banks.In this paper,the Minsheng Bank branch in Inner Mongolia as a research object,from the point of view of energy-based asset-based assets through the study of credit status of coal enterprises to identify possible credit risk,and pointed out the corresponding recommendations.The author through the reading of the literature,at this stage on the commercial bank credit risk research,its research is mainly targeted at large enterprises,and for the Inner Mongolia Autonomous Region,many small and medium-sized enterprises in the bank loans,and energy-based enterprises,then,The solutions proposed in these documents do not necessarily apply.The research of this paper,combining theory with practice,starts with the present situation of risk management of credit business in coal enterprises.I hope that through my research,I propose effective countermeasures for credit risk control of Inner Mongolia Branch of Minsheng Bank and further enrich the research results of asset-type problems.