Credit Risk Identification And Control Of Dongying Bank

Since 1990s,rapid socio-economic development,commercial banks play an increasingly important role in the financial market,while Improve the market maturity and ensure the stability of the financial environment.However,in the face of the new economic norm,in the face of economic supply side reforms,the traditional banking business is facing many challenges,the existing banking risks can not be overlooked,many historical cumulative risk problems began to emerge,non-performing loans rebound significantly.The complexity,concealment,contagion and sudden increase of risk are further increased.In recent years,the Bank of Dongying has been unswervingly pushing forward reform and inn ovation,and all the work has achieved good results.But at the same time,we must be aware of the problems that exist in the development.Dongying bank deposits rising overall costs,bargaining power is weak,the net loan spreads narrowed further;but with the rapid development of new branches of construction cost,the growth rate is much higher than the scale of business and profit growth,cost to income ratio is rising,the sluggish growth in profits.By the end of 12 2016,the balance of non-performing loans of the Bank of Dongying rose to 545 million 780 thousand yuan,and the adverse rate rose to 1.65%from the same period.The situation of credit risk prevention and control is severe,and the pressure of risk disposal is great.How to push forward the transformation of business mode and the transformation of growth mode,focus on preventing the key risks and keeping the bottom line of risk,and focus on strengthening the party's construction and improving the quality of staff have become the key and key point for Dongying bank to strengthen credit risk management.Based on the profound analysis of the commercial bank credit risk control theory and control,is using the theory of system science theory combined with the actual development of the Bank of Dongying,the necessity and feasibility of the status quo,the credit risk control of Bank of Dongying and Bank of the existing credit risk credit risk management analysis.The fourth part of the paper analyzes the risk assessment of bank credit in Dongying,determines the risk level of Dongying bank credit risk and Dongying bank credit risk matrix,and analyzes the fuzzy comprehensive evaluation and result of Dongying bank credit risk.In view of the existing Dongying bank credit risk management problems,the fifth part puts forward the corresponding Dongying bank credit risk management strategies,the credit risk of the Bank of Dongying system were optimized.The results of this study can hope to control the credit risk of the Bank of Dongying has a positive role to help.The core of this paper is how to improve the management of credit risk by commercial banks under the current economic market environment.The purpose of this study is to promote the Bank of form a mature system to promote related business development.