Research On Risk Management Optimization Of Credit Investment In City Investment Company Of XX Bank In C City

In recent years,the scale of construction of municipal projects such as urban infrastructure has continued to expand.Since the beginning of the tax-sharing reform in China since 1994,the gap between relatively stable local fiscal revenues and expanding project construction funding needs has also In the continuous expansion,the city investment company that undertakes the function of investment and financing for local governments came into being.With the continuous advancement of urbanization,the debt scale of C City Investment Corporation is also increasing,and the burden of local government debt is becoming heavier.If there is a problem with the credit business of City C City Investment Company,it will have a huge adverse impact on C City XX Bank.Therefore,it is necessary for C City XX Bank to carry out risk management for the credit business of City Investment Corporation.In order to optimize and improve the credit risk management of the city investment company of C City XX Bank,this paper sorts out the related theories and concepts of bank credit business risk management.Based on the theory of comprehensive risk management theory and information asymmetry theory,combined with the current policies and methods of risk management of the city investment company's credit business of C City XX Bank,through the analysis of the credit status of the city investment company of C City XX Bank Analyze the problems and causes in its existing credit risk management.In view of the problems such as the lack of targeted identification,the inaccurate risk identification,the inaccurate risk assessment,and the insufficient risk control in the credit business process of the current C city XX Bank's credit business in the city investment company,it is proposed to strengthen the differential analysis.Corresponding optimization schemes such as refining risk identification,introducing an autocratic approving system,establishing a dynamic evaluation system,and strengthening credit business process risk control,and combining effective support measures.This paper studies the actual operation of risk management based on the business of the city investment company of C Bank XX Bank,and proposes an optimization plan around the actual problem that is found,which is highly targeted and can effectively enhance the credit business of the city investment company of C City XX Bank.Risk management capabilities.