Research On Credit Risk Management Of Manufacturing Industry In C Bank T Branch

Commercial banks are the mainstay of the Chinese financial system and the main channel for enterprises to access financial services.In recent years,China's economic growth has slowed down,economic development has been transformed and upgraded,industrial structure has been accelerated,and overcapacity in traditional manufacturing industries such as steel,cement,electrolytic aluminum,flat glass,and shipbuilding has been severe.Some SMEs have experienced operating losses and capital chains.The break,even the boss's running,and other conditions,led to a serious decline in the quality of China's commercial bank manufacturing credit assets.In November 2015,General Secretary Xi Jinping proposed a supply-side structural reform.Manufacturing is the main focus of supply-side structural reform.China's commercialbanks must face risks,actively return to serve the origin of the real economy,and strengthen credit risk to manufacturing.The research and prevention and control provide services for the.transformation and upgrading of the manufacturing industry through a wider and deeper level of production integration,and enable the commercial banks' financial capital to obtain sustained and stable long-term returns from the continuous appreciation of industrial capital.This paper takes the manufacturing credit risk of C Bank T Branch as the research object.Firstly,it introduces the related concepts of manufacturing,the definition,characteristics,risk classification of credit risk and the credit risk management process of commercial banks and related theories.Secondly,based on the C bank T branch,Introduce the current situation of the bank's manufacturing credit risk management,and point out its problems in the credit management system,manufacturing risk control mechanism,credit risk management information technology,credit culture and the quality of credit practitioners,and from the outside and inside Analyze the causes of the problem.Finally,drawing on the advanced experience of credit risk management of other commercial banks,clarifying the responsibility boundary for C bank T branch manufacturing credit risk management,deepening the credit management system reform,improving the manufacturing loan risk control mechanism,strengthening the credit system construction,and using big data control The risk,the improvement of the credit risk management culture system,and the adherence to the people-oriented,and continuously improve the overall quality of credit officers provide a solid theoretical basis and feasibility recommendations.It can provide reference for the credit risk management of China's commercial banks.