Research On Credit Risk Management Of Bank Of JT NKU Sub-branch

China formally joined the WTO under the approval of the WTO Doha Conference,which intensified the competition situation among domestic banks,brought unprecedented huge challenges to the banks,and raised the ability requirement of the banks' risk management.Credit risk is the primary risk of bank risk,and the level of credit risk management is the biggest inducement of credit risk.At present,there are many problems in the credit risk management mechanism of the South Branch of the Bank of JT in China.Not only is there a lack of a complete and unified risk management system,but also a complete set of risk loss compensation mechanism has yet to be established,this will certainly increase the Bank of JT NKU sub-branch of the credit risk rate,it is difficult to prevent and control the credit risk from the source,and then severely restrict the Bank of JT NKU sub-branch of the healthy long-term development.This topic takes the Credit Risk Management of Bank of JT NKU sub-branch as the key research object,first introduces the background and significance of this topic in the introduction part,including domestic and foreign research on the status quo and expected research results,followed by a one-by-one introduction of the basic theory of credit risk management,as the theoretical support for this topic writing;Then it introduces the background of Bank of JT NKU sub-branch,the current situation of credit risk management,and deeply excavates the problems of Bank of JT NKU sub-branch credit risk management and the specific reasons leading to the problems.Compared with the advanced foreign banks,the Bank of JT NKU sub-branch's credit management lags behind,for example: Credit Asset Structure Imbalance,customer information disclosure review is not rigorous,lack of perfect credit loss compensation mechanism,credit risk analysis methods exist obvious loopholes;Based on the above background,this paper analyzes the causes of the internal and external risks of the bank,and finally puts forward some strategies to optimize the credit risk management of the Bank of JT NKU sub-branch,and puts forward some protective measures,it mainly includes: adjusting and perfecting credit assets structure,understanding and mastering customer information,creating good external environment of credit culture,strengthening knowledge reserve and comprehensive quality of credit personnel,perfecting credit risk management mechanism.