Research On Credit Risk Management Of J Bank’s Loan Linked Business

In recent years,J Bank has been able to establish a one-stop financial service model through the rapid development of investment and loan linkage services,and the consistency of enterprises has gradually increased.However,in the course of the investment and loan linkage business,due to the fact that the special risk management model has not yet been built,it not only restricts the ability to control credit risk,but also causes the actual income level to rise slowly.Therefore,J Bank urgently needs to find effective ways to carry out the reasonable control of credit risk of investment and loan linkage business.This paper will combine the relevant theory of credit risk management at this stage,study the current situation of credit risk management of J bank’s investment and loan linkage business,analyze the shortcomings of credit risk management of J bank’s investment and loan linkage business at this stage,put forward suggestions for the development of credit risk management of linkage business,and put forward credit risk management of linkage business.The first part is the introduction of this paper,which mainly introduces the research background,significance,research status at home and abroad,laying a good foundation for this study.The second part is mainly to summarize the relevant theories of credit risk management at the present stage.Because of the complexity of the content of credit risk management,these theoretical summaries would support this paper sufficiently.The third part is to analyze the current situation and the main problems of credit risk management of J bank’s investment-loan linkage business.Through the analysis of the current situation,it is found that the problems existing in the development process of J bank’s investment-loan linkage business are quite obvious.So J bank needs reasonable approaches to improve the level of credit risk management urgently.The fourth part puts forward the countermeasures and suggestions for the credit risk management of J bank’s investment and loan linkage business,and improves the credit risk management level of J bank’s investment and loan linkage business by optimizing the process,strengthening personnel training,and constructing credit risk management model.The fifth part puts forward the safeguard measures for the credit risk control of J bank’s investment and loan linkage business.The sixth part is the conclusion and prospect of this paper,summarizing the research content and putting forward the corresponding research expectations.