Research On Risk Management Of Customer Credit Business Of N Bank's Remote State Owned Enterprises

N Bank is the longest-standing legal person financial institution in Xiamen.It is a joint-stock commercial bank which has been reformed on the basis of more than 60 years of development.Since the joint-stock system reform in 2012,N Bank is gradually transforming into a modern commercial bank.In 2014,N Bank began to carry out credit business to off-site enterprises,breaking the traditional administrative boundaries and fund management organization system,expanding the intensity of business cross-cutting,and speeding up the transformation of the traditional system to the modern commercial bank system.Business limitations have been broken,although it is conducive to expanding the market share of N Bank and enhancing competitiveness,but in the current economic downturn,the emergence of bad credit business background,how to improve the level of risk management of remote credit business,especially for the off-site state-owned enterprises,to ensure the safety of credit assets,management of N Bank is particularly important.In this paper,literature analysis,case analysis and interview and lessons-learned approach are used to study the risk management of N Bank's credit business of state-owned enterprises in other places.Firstly,it expounds the related concepts,that is,describing the meanings of the off-site enterprises,off-site state-owned enterprises and the off-site public credit,and expounds the specific content of the off-site credit risk;secondly,it introduces the off-site customer credit service of the N bank from the basic situation,the development process,current situation and so on.Then,it focuses on the current situation and risks of the credit business of the N bank's off-site state-owned enterprises,highlights on the exsiting problems of credit risk management for clients of foreign state-owned enterprises.And then it analyzes the causes of the risks of the credit business of the N bank's foreign state-owned enterprises from both internal and external aspects,so as to reflect the causes of the risks of the business of the N bank's foreign credit business.Finally,it puts forward that the N bank should strengthen the credit business of the foreign state-owned enterprises.Specific countermeasures for risk managenment.The main conclusion of this paper is through the analysis of the current situation of credit risk management of N Bank's off-site state-owned enterprises,summed up the main problems existing in the credit risk management of N Bank's off-site state-owned enterprises are excessive credit risk;blindly believe in the credit of state-owned enterprises,ignoring the repayment strength of the enterprises themselves;lack of external cooperation in the credit process.The main countermeasures to improve the risk management of N Bank's customer credit business of state-owned enterprises in different places are to strengthen the unified credit management of loans to enterprises in different places,to strengthen the risk control in the credit process,to improve the level of risk management,to increase investment in information technology,to enhance risk awareness,and to strengthen external communication and cooperation in the credit process.