Research On Risk Management And Control Of B Bank In The Procurement Of Credit

As one of the main business of banks,credit business has received great attention of the government,regulators,bank managements and the public in recent years.As the government relaxed the policy of foreign banks entering the Chinese market,the CBRC is speeding up the improvement of relevant laws,regulations and supporting systems.In this context,it is urgent to speed up the risk management of bank credit business in China.In this thesis,risk management of China's Bank credit business is the main research content.On the basis of the macro background of the government and requirements of regulators,combined with the actual management status of China's banking industry,this thesis summarizes the bank credit business process in China,reasonably evaluates the main risks and process objectives involved in the various processes of the credit business,introduces and analyzes the related control activities.On the basis of the above theoretical research,this thesis takes the risk management of credit business of bank B as an example.By the means of literature research,interview investigation and case study,it analyzes the situation of risk management of bank B's credit business,then gradually discovers the problems existing in its credit business by comparing with the interbank,and finally analyzes the problems and solve the problems.Bank B noticed the role of the risk management in promoting the development of bank credit business in the earlier times,and took the lead in establishing and perfecting its internal control matrix,and forming its risk management system.By analyzing the current situation,existing problems and key control points of credit business in bank B,this thesis summarizes its credit business process,proposes suggestions for the specific problems in the credit business process of Bank B,and establishes control procedures for different credit operations on-balance and off-balance sheet,optimizes credit business internal control matrix in bank B,redesigns its credit business control scheme.