Research On The Risk Management Of Liquidity Loan In Nanning Branch Of Bank X

As the main business of commercial banks,credit business is the main way for commercial banks to obtain profits,and working capital loans are the most important way,and the most common financing mode provided by banks for corporate customers.Before and after issuing liquidity loans to enterprises,bank employees must complete a series of prescribed actions,such as pre-lending investigations,loan approvals,and post-loan visits,to ensure the safety of credit assets.At present,China is facing downward pressure on the economy.The industrial structure still needs to be continuously optimized.The space for adjustment is still large.China's commercial banks in the complicated environment are also facing huge operational risks and pressures.There are many uncertain factors and the loan non-performing rate.There is still an upward trend.This is also a major obstacle and problem in the operation of commercial banks.Only by confronting the existing problems and finding out the coping strategies to minimize the possibility of loan risks,can we truly reflect the core competitiveness of commercial banks.Therefore,how to better prevent and resolve loan risks is an urgent problem for X Bank Nanning Branch,which will be one of the core contents of the Bank's future workThis paper analyzes the current situation of credit risk and its risk management of mainstream credit products of X Bank Nanning Branch,and points out the current situation of credit risk management of X-Bank Nanning Branch in pre-lending,lending and post-lending,citing the actual classic case analysis.The paper studies the problems existing in the bank's pre-credit investigation,credit review and approval,loan investment structure,etc.Finally,it constructs and perfects from the aspects of comprehensive risk management mechanism improvement,credit structure adjustment,risk management team building and risk culture cultivation.Effective measures for the risk prevention and control system of X Bank Nanning Branch.