Research On Credit Risk Management Of Agricultural Bank Of China

The current international economic situation is becoming more and more complicated,especially the economic form facing China is more severe.The development of the domestic real economy is not optimistic.The business innovation and development of the banking and financial industry are facing many challenges.It is proposed for the management and credit risk management of commercial banks.higher requirement.In this context,relevant government departments have proposed a series of monetary and financial policies to further increase the implementation of credit risk management policies for commercial banks to improve the credit risk management level of commercial banks,there by supporting the investment development of the real economy.To promote the healthy and sustainable development of the national economy.For the development of modern commercial banks,credit risk management and business management are closely related,and both of them are equally important to promote the continuous optimization of the structure and asset structure of commercial banks,and to maximize the credit risk management level of banks.Under the new situation,the development of the real economy has shown an obvious fatigue,and the operating efficiency of the enterprise is not satisfactory,which has aggravated the loan default behavior of the enterprise to a certain extent.As a first line of business services and credit risk prevention and control,the Agricultural Bank of China S Branch has been engaged in bank work for 6 years and has directly contacted the bank credit business.It has even witnessed the surge in banking revenue and bank bad debts and non-performing loan balances.The NPL ratio is approaching the industry regulatory warning line.Therefore,this study combs the research results and theoretical systems related to credit risk management of commercial banks,selects specific research cases based on A-share behavior of ABC,and analyzes the overall status of banking business development and risk prevention and control from point to point,and analyzes it in depth.The problems and reasons for the credit risk management of the Agricultural Bank of China S Branch.On this basis,this study proposes specific credit risk management improvement suggestions from the aspects of credit risk management mechanism,credit risk early warning,credit risk resolution and credit risk management resource integration.It is hoped that through this research,it can provide practical and effective suggestions for the steady development of business and credit risk management of ABC S Branch,and also provide some reference for credit risk management of the whole industry in other domestic commercial banks.