A New Strategy For Credit Risk Management Of ICBC Huaian Branch

Corporate loan has always played an important role in commercial banks,and it can bring higher income for commercial banks.But commercial banks may also incur greater losses because the company loan maybe is influenced by various subjective and objective factors.Thus enhancing the company credit risk management has been the focus of the work of commercial banks.This paper describes the aggregate,structure and quality of the loan companies from ICBC Huaian branch.In order to improve the earnings,ICBC Huaian branch has implemented more perfect pre loan management,credit management and post loan management.The main problems are the company's credit rating is not scientific,the debt rating is not rigorous.Credit Risk+ model is an important model of credit risk management.This paper selected a sample as a loan portfolio,through the use of Credit Risk+ model found that it has a positive effect to improve the credit risk management of Huaian branch of ICBC.In order to strengthen the risk management of credit loans to companies,the following aspects are necessary: namely the construction of internal rating system matching with Credit Risk+ model,Credit design and Risk+ model to match the company loan process,loan risk management professional personnel training IT,tamp system based.