Research On The Comprehensive Risk Management System Of The Credit Business Of H Commercial Bank

Up to now,commercial banks are still the most important subject in China's financial system.Credit business is still the most important business of commercial banks in China,and the income from credit business is still the most important source of profits.China is currently in the economic downturn,with the frequent outbreak of credit risk,China's commercial banks have experienced a sharp increase in non-performing loans;however,the risk management level of credit business in China's commercial banks is generally at a low level,the credit risk management system is not advanced,and the credit risk management means are relatively simple.Therefore,the research on credit risk management of commercial banks is of great significance.There is still a big gap between the overall risk control ability and risk management level of H Commercial Bank in its credit business and the international and domestic advanced Banks,There are still some problems in risk management mechanism,risk management process and information technology construction.This paper conducts an in-depth study on the risk management of H Commercial Bank's credit business,Seek and identify problems in commercial bank credit risk management,Mainly includes Credit risk management organization structure is not reasonable,its credit risk tolerance system imperfect,credit risk management system of the internal control is not perfect enough,loans before the investigation is not due diligence,the inadequate and approve the credit business,loan after the inspection is not in-depth and operation and improper disposal of bad loans,information science and technology system function is not comprehensive,the assessment and evaluation mechanism has not been established,the comprehensive quality of credit risk management personnel needs to be further improved,these ten aspects will be analyzed.According to the existing credit business risk management problems of H Commercial Bank,In the process of exploring the problem,this paper finds the way and method to solve the problem,Mainly including the establishment of a reasonable credit risk management organizational structure,improving the system of credit risk tolerance,Improving the internal control system of credit risk management,Strengthen the pre-loan investigation,make loan link more compliance,Strengthen post-loan inspection,We will innovate new ways to operate and handle non-performing loans.We will further optimize and improve thefunctions of the science and technology system,We will improve the credit risk management and assessment system,Strengthen the construction of credit risk management team.Through the overall discussion,this thesis aims to improve the overall risk management system of credit business by establishing the comprehensive credit risk management system,aiming at effectively preventing and controlling credit business risks,and through systematic analysis and discussion,commercial bank credit business risk management control level,From the perspective of "loss reduction is profit increase",Effective credit risk management can reduce the impact of non-performing loans on the profits of commercial banks.Therefore,it is better for H Commercial Bank and other commercial banks in China to play a guiding and reference role in credit business development and risk management.