Credit Risk Management Of Customer Industry In Local Commercial Banks And Research

Changing the situation of economic development question who has lead to a banking risk management,commercial Banks need to actively deal with,strengthening the management idea of "risk management" from the perspective of credit management,risk control,belong to medium dimensions of risk control,need to bank managers to strengthen the "top-level design",in order to better guide the concrete practice of the credit business,open up new risk control management.In the process of industry credit risk management,it is necessary to establish the management concept of "risk identification" and "risk rating" as the core,so as to more systematically understand the harm of the common characteristics of the industry credit risk,and to prevent and control the risk from practice.Traditional credit evaluation methods often emphasize the risk of the enterprise itself,and the industry in which the enterprise is located is not fully considered.Industry of commercial Banks credit risk analysis of the logical framework,including the macroeconomic environment,industry characteristics,operating condition,financial data,four dimensions through the quantitative analysis and pricing analysis of operation method,establish industry rating model,computing industry comprehensive evaluation score,commercial Banks can be divided according to management needs the results of comprehensive evaluation,determine the credit industry positioning,the credit rating results and industry to industry corresponding to the overall strategy.For high rating industry,the low credit risk,market mature steady,has the very high predictable growth trend,can be used as a commercial bank credit into sectors actively,further easing customer choice and make credit and loans more accessible to industry,resource allocation,on the contrary,as a commercial bank credit limit into sectors,to strict customer credit access standards and further strengthen credit total quantity control.This book attempts to make a comprehensive study of the theoretical framework and practical application of credit risk management in the industry by referring to relevant research results at home and abroad,so as to improve the theoretical analysis and policy system of credit risk management in the industry.industry credit risk,quantitative analysis,pricing analysis,Qujing commercial bankChanging the situation of economic development question who has lead to a banking risk management,commercial Banks need to actively deal with,strengthening the management idea of "risk management",from the perspective of credit management,risk control,belong to medium dimensions of risk control,need to bank managers to strengthen the "top-level design",in order to better guide the concrete practice of the credit business,open up new risk control management.In the process of industry credit risk management,it is necessary to establish the management concept of "risk identification" and "risk rating" as the core,so as to more systematically understand the harm of the common characteristics of the industry credit risk,and to prevent and control the risk from practice.Industry of commercial Banks credit risk analysis of the logical framework,including the macroeconomic environment,industry characteristics,operating condition,financial data,four dimensions through the quantitative analysis and pricing analysis of operation method,establish industry rating model,computing industry comprehensive evaluation score,businesses can be integrated management in strict accordance with the requirements of the evaluation results are further subdivided,define the credit orientation of industry level,the credit rating results and industry implementation plan.A high rating score indicates that the credit risk of this industry is relatively low,the market is relatively stable,with a high growth expectation,and credit resources can be actively released.This kind of industry is the focus of the credit development of commercial Banks,so it is necessary to continuously expand customer resources and further increase the credit resources.On the contrary,for the industry with a low score level,it indicates that the risk is relatively high and the development of the industry is unstable.Commercial Banks should take a cautious attitude towards credit,limit credit capital to enter the industry,tighten credit standards and strengthen the control of the amount of credit.On the basis of actively referring to the relevant research results at home and abroad,this paper establishes an industry risk analysis model,and applies it to the manufacturing industry of qujing commercial bank as an example.Combined with the current situation of qujing commercial bank,this paper puts forward Suggestions and Suggestions on the later industry management.