Research On Risk Problems Of The Corporate Clients Credit Of A City Agricultural Bank Of China

Credit business is the core business of commercial Banks,but at present,commercial Banks,especially Agricultural Bank of China,are not perfect in credit risk management,and the non-performing loan ratio is still on the high side.In order to reduce the credit risk of Agricultural Bank of China,it is necessary to conduct in-depth research on credit risk management of Agricultural Bank of China.As enterprise customers are the main customers of A City Agricultural Bank of China,this paper takes the main customers of A City Agricultural Bank of China as the research object.Based on this,this paper studies the credit risk management of corporate customers of A City Agricultural Bank of China.On the basis of reading a large number of literature materials,combining with the actual situation of credit risk of A City Agricultural Bank of China,and based on the theory and method of bank credit risk management,this paper conducts A questionnaire survey on the credit business of enterprise customers,analyzes the problems existing in the credit risk management of corporate clients of A City Agricultural Bank of China,and puts forward countermeasures and suggestions for improvement.Through analysis,from the credit risk organization system,system implementation,identification and evaluation methods,operation and monitoring,risk control finds out A City Agricultural Bank of China credit risk management problems that exist in the enterprise customers,from internal and external authorization,Rule-making,credit risk management techniques,credit staff team construction and the risk management idea finds out and analyses A City Agricultural Bank of China the reasons of customer credit risk management problems,from authorization,decision-making and supervision system,credit risk technology,team construction,staff risk awareness,bank risk concept,this paper puts forward suggestions to improve the credit risk management of enterprise customers of A City Agricultural Bank of China.It is hoped that the study of this paper can provide help for the A City Agricultural Bank of China to formulate the enterprise customer credit risk management system or measures,and also provide reference for Agricultural Bank in other cities.