Credit Risk Management Strategy Of Everbright Bank Zhangzhou Branch Furniture Industry

At this stage,the Zhangzhou municipal government vigorously develops the private economy,supports the development of various forms of private enterprises,and gives priority support to furniture manufacturing enterprises,one of the key traditional superior manufacturing industries in Zhangzhou.Due to the increase of manufacturing costs,limited resources and large investment,the traditional advantages of Zhangzhou furniture manufacturing enterprises in the fierce domestic and foreign market competition are gradually weakening.The author works in Zhangzhou Everbright Bank and is mainly responsible for the public account manager of the company’s business credit investment.The author conducts in-depth analysis and Research on the operation of bank credit risk management.How to use reasonable credit investment can not only help the real enterprises with actual demand for credit funds to get appropriate bank credit support,but also effectively prevent risks,and ultimately achieve mutual benefit and win-win situation.The situation is the purpose and significance of this study,which has certain reference value for the same type of joint-stock commercial banks.This paper introduces and analyses the general situation,current situation and characteristics of furniture manufacturing industry in Zhangzhou.It also introduces the characteristics,financing characteristics and current difficulties of furniture manufacturing enterprises.It also analyses the current situation and existing problems of credit risk management of furniture manufacturing enterprises in Zhangzhou from the perspective of banking practitioners.By using the relevant theories of bank credit risk management and combining with the relevant practical cases encountered in the work,this paper puts forward five measures and suggestions for credit risk management in Zhangzhou furniture industry,including five steps of "formulation,reorganization,reference,provision and optimization",in order to improve the credit risk management level of Zhangzhou Everbright Bank in furniture industry.This will promote the normal and sound operation of the bank and the healthy development of the whole,and is conducive to the stability of the financial order with great theoretical and practical significance.