Study On Loan Risk Management Of A Branch Of Jinshang Bank

As the interest rate marketization continues to advance,credit is the main way for the general commercial banks to make profits,but the global financial environment is accompanied by the simultaneous existence of market risks.For the general commercial banks in China,the financial business is relatively thin,especially for some branches,the credit business is the main channel for network profit.The varying degrees of influence caused by the problem.This paper first discusses the necessity and significance of risk management in commercial banks based on domestic background,and then combs and draws lessons from academic literature at home and abroad to lay a theoretical foundation for the study of credit risk management in the full text.Then,on the basis of the comparative analysis of the non-performing loan ratio of state-owned banks and commercial banks in recent years,two main current problems of loan risk management are introduced.Combined with the specific situation of a branch of Shanxi Merchants Bank,the present situation of risk management in loan business is analyzed and summarized.A branch of the loan risk identification,combined with the domestic 5 C methods to analyze the specific loan risk of a branch of Shanxi Merchants Bank type,degree and impact.At the same time,on the basis of loan risk identification,the loan risk evaluation system of a branch of Shanxi Merchants Bank is constructed through two methods:AHP and fuzzy comprehensive evaluation.In order to ensure the scientific nature,rationality and credibility of the system research,the index hierarchy model and judgment matrix are further established,and the index weight is calculated,and then applied to the risk fuzzy comprehensive evaluation to obtain the relevant results.Based on the previous process and results,the author gives some suggestions and countermeasures from five aspects:management,prevention mechanism,methods and techniques,talent team and rating system.The best way to solve the problem of loan risk of commercial banks is risk transfer and risk aversion.According to the actual situation,there are five kinds of problems in risk identification:operational risk,credit risk,external environmental risk,liquidity risk and natural risk.Risk has a certain threat to the business of the branch,through model construction and index weight calculation,credit risk has the greatest impact,external environmental risk,natural risk,liquidity risk,operational risk ranking in turn.Therefore,in the formulation of the future countermeasures,the branch should take the credit risk prevention level as the main content,combine with the bank's overall loan risk system and risk source,and combine with the analysis of the data results,and deal with the loan risk in the future should proceed from five aspects:promoting the concept of credit risk management,perfecting the credit risk prevention mechanism,improving the risk measurement method and technology,perfecting the credit rating system and strengthening the construction of the talent team.Because the author's ability is limited,combined with the condition limit,there are still many shortcomings in the research,but the model and index weight calculation method used in this paper,selection method and so on,to other scholars in the future in the same field of research,has a certain reference.