Research On PA Bank Nanjing Branch’s Over-Crediting Risk Management On Company Crediting Customer

Credit granting is the main income of bank and credit funds is scarce resource favoring by corporate customer.The intense competition in banking market,various company crediting customers,and risk of crediting product make credit granting easily lean to leading enterprise,area star enterprise,and interim policy supporting industry.It will lead to over-crediting and endanger credit assets safe of commercial bank even causing huge loss as over-crediting risk exposure.Firstly,the article researches PA Bank Nanjing Branch’s over – crediting risk on company crediting customer through document analysis method,comparative analysis method,qualitative analysis method,and quantitative analysis method.It discusses the current situation and problem of PA Bank Nanjing Branch’s over – crediting risk management on company crediting customer to explain reason of over-crediting risk on company crediting customer.Secondly,from 3 aspects of risk recognition system,evaluating system,and controlling system,the article analyzes methods to optimize PA Bank Nanjing Branch’s over – crediting risk management on company crediting customer and proposes improved identification on over-crediting risk,new application form of improved identification,and hint of new identification result.Meanwhile,the article proposes to perfect parameters of over – crediting risk in present risk evaluating system and improve scientificity of group customer whole rating.It also proposes to enlarge monitoring range of over – crediting risk in multiple dimensions,scientific calculate and allocate group customer risk limits,and perfect prevent & control measure on over-crediting risk.Thirdly,the article raises methods to strengthen PA Bank Nanjing Branch’s over – crediting risk management on company crediting customer respectively from three stages before crediting,during crediting and after crediting.The research can provide certain applied value to improve the whole quality of PA Bank Nanjing Branch’s company crediting management and offer practical operation idea for reference on domestic commercial bank’s over-crediting risk management of company crediting customer from view of basic commercial bank.