The Research On The Credit Risk Management Of Bank Of Communication XX Branch

Recently,the credit business had became a double-edged sword,brought benefits to commercial Banks and also brought risks.Commercial bank's main revenue for loan interest income and deposit interest income spreads,by absorbing the spare money,to be badly in need of money lending business or personal,revitalized the capital as well as promote the development of the enterprise.The bank maintained the lifeline of the national economy and economic security,and hold the pivotal position in the economic development.With the development of international financial market,the financial market is facing several challenges due to the financial crisis.The asset quality of commercial Banks in China has deteriorated significantly and the proportion of non-performing loans is higher.At present,the credit risk exposure of state-owned commercial Banks is not enough,and there is a tendency of increasing risks,and there is also a decrease in capital adequacy ratio and reduction in risk tolerance.In a long period of time,the state-owned commercial Banks are ignoring the efficiency and quality,and pursuing the "extensive operation" of scale and speed.The proportion of non-performing loans is also increasing,with the growing credit assets of commercial Banks.In the wake of the financial crisis,many enterprises have difficulty operating,which will become a major threat to the security of commercial bank credit.The author as a customer manager in the company,bank of communications in xuzhou,using what we have learned business knowledge combined with our working practice experience,and this article from the seven aspects of bank of communications,xuzhou branch of credit business risk management,also puts forward corresponding Suggestions and strategies.This article elaborated the paper research background,significance,research methods,such as the main content,and summarizes the importance of credit risk management by literature method,and the analysis of the cited the case enterprise as research object.Secondly,this paper introduces the general introduction of xuzhou branch,bank of communications,and focuses on the concept and current situation of risk management.The credit risk is managed by the method of increasing the problem of customer management and the specific methods such as resolving,clearing,and canceling,and looking forward to the future.