Research On The Improvement Of Credit Risk Management System For Privately Operated Group In Bank A

With the rapid development of domestic economy,the number of large-scale comprehensive private groups across regions and industries continues to grow.Most of the private groups highly depends on bank loaning.Once problems occur in the operation strategy or cash flow of these enterprises,they have a great impact on the quality of bank credit assets,even to the overall performance of the bank.During the period from 2014 to 2016,the capital chain of many large private enterprises in Suzhou was collapsed,which directly led to the double rise of "bad assets" and "bad assets rate" of local commercial banks.Bank A now pays more and more attention to credit risk management of private groups.Based on the ERM theory of COSO,this paper makes an in-depth study on the current credit risk management system of group borrowers of Bank A,and analyses the existing problems and root causes in the credit risk management of private group of Bank A.The main problems of bank A management at present include inadequate risk identification,inaccurate risk measurement,inadequate risk monitoring ability,inadequate risk reporting and weak risk control means.According to these problems,the author puts forward some optimization plans and safeguard measures.Looking forward to the future,the credit risk management of private group of Bank A will inevitably turn to "human control into computer control","manual data into big data" with rapid development,excellent risk culture,strong talent team,and ultimately achieve high business development,high asset quality and double bumper harvest.