Research On The Credit Risk Management And Control Of Large And Medium-sized Enterprises For Commercial Banks

In the current global economic downturn,various types of corporate default information are constantly exposed.Along with the tightening of financial supervision and the continuous progress of financial reform,financial risks are constantly exposed.Among them,the most obvious financial risk exposure is the double growth of non-performing loans and non-performing loans.At present,China’s economic development has changed from a stage of rapid growth to a new era of high-quality development.At the same time,the state has proposed to focus on preventing and controlling financial risks,preventing the soaring rate of non-performing loans and non-performing loans,earnestly fulfilling regulatory responsibilities and maintaining the bottom line of financial risks.As the main loan business of commercial Banks,loans to large and medium-sized enterprises have a large amount and a long term,which has a significant impact on the operation and profitability of commercial Banks.At the same time,the loan quality of large and medium-sized enterprises directly affects the profits of commercial Banks.Therefore,it is of great significance to study the credit risk control of large and medium-sized enterprises for the operation and management of commercial Banks.Based on postal savings bank of China as an example,this paper first introduces the development situation of large and medium-sized enterprises loan postal savings bank of China illustrates the postal savings bank of China credit risk management of the status quo,again according to oneself for studying and understanding the current policy,points out the five main problems in risk management.In view of the current existing problems,and I through the model analysis of the important factors that affect large and medium-sized enterprises loans,and then apply this,from the large and medium-sized enterprises credit risk identification,measurement and control three aspects put forward the optimization advice.The this article main research conclusion is that the postal savings bank of China credit risk management of large and medium-sized enterprises at the present time the lack of a high level of risk identification and early warning system,after before loans,loans,credit and other aspects.In chapter 4,optimization Suggestions are proposed according to the process of risk identification,measurement and control.First,through the empirical analysis,the key factors influencing the loans of large and medium-sized enterprises are obtained.Secondly,Suggestions on credit risk identification optimization are put forward from the aspects of optimizing the responsibility division of risk identification,improving the content and scope of risk identification,and improving the effectiveness of identification methods.In terms of the optimization of risk measurement,the weight of key influencing factors is increased,which makes the rating model of postal savings bank more accurate and effective.Finally to optimize management for large and medium-sized enterprises credit risk control and optimization idea is through the establishment of effective risk collection channels,the formation of "monitoring-analysis-warning-evaluation and supervision" of the closed loop control mechanism,using information technology to establish risk control at the same time,makes the collection,analysis,risk early warning,evaluation results to achieve systematic management,improve the efficiency of risk control,to achieve more perfect post office bank of large and medium-sized enterprise loan risk control system.This article in the current financial regulation,non-performing loan ratio rising background,through the analysis of the characteristics of large and medium-sized enterprises,and its unique risk characteristics,in understand each big bank loan risk management theory,on the basis of analyzing the advantages and disadvantages,and the research development in recent years,the stages of the Basel agreement,according to the post office bank of large and medium-sized enterprise loan risk control process and the present situation of loan risk analysis,on the basis of empirical analysis,put forward of large and medium-sized enterprise credit risk identification,measurement and control of the specific optimization measures.