Study On Credit Risk Management Of Agricultural Bank X Branch

China's commercial banks face the level of credit risk management has an upward trend.As a specific risk management organization,credit risk management is becoming more and more important to the operation of commercial banks.Credit,as the main business of Agricultural Bank X branch of China Agricultural Bank,is also an important subject to ensure the normal,sustained and harmonious development of credit project of X branch of Agricultural Bank of China.Agricultural Bank of China X branch credit risk management problems exist in the pre-loan investigation is not meticulous,the investigators are not high quality,communication,collaboration is not enough,pre-loan policy guidelines are imperfect,customer manager and risk manager communication is not enough,credit approval is not careful,After the loan management is more lax.On the basis of drawing lessons from the practice of bank credit risk management at home and abroad,this paper puts forward that the special training of pre-loan investigators should be classified and classified,and the assessment and incentive mechanism should be improved.The independent approval process should be strictly implemented.Clarify the responsibility of risk management after the loan;improve the customer risk early warning system indicators;to strengthen the risk after the response to improve the Agricultural Bank of China X branch credit risk management recommendations.