A Branch Of Industrial And Commercial Bank Of China On Corporate Credit Business Risk Management Optimization

The internal and external operating environment of commercial Banks has changed significantly with the process of financial reform in China.From the external environment,after the financial crisis in the global spread,the banking industry is facing a more severe test.From the perspective of the domestic environment,different types of financial institutions and commercial Banks have been established in various places,and the expansion of their business scope has led to overlapping and infiltration of their business activities and accelerated the innovation speed of financial instruments.Due to the complexity of the financial environment at home and abroad,it is urgent for Banks to continuously optimize the management methods of credit risks and improve their ability to cope with risks.A reasonable bank risk management system for public credit is not only related to its own profitability,but also provides a strong guarantee for the smooth operation of national economy and financial security.As one of the large state-owned Banks,ICBC A branch needs to continuously optimize its credit risk management system in order to continuously grow and develop in the competition.Based on the existing theories of risk management of public credit and related literature,this paper takes ICBC A branch as the research object,and firstly investigates the status of its credit risk through various index data.Secondly,this paper discusses the practices and effects in the current credit management of A branch,analyzes the problems in these practices,and discusses the reasons behind the problems.Then from the risk identification,measurement and control of the three links for A branch's risk management system optimization system design.Finally,from the perspectives of improving the risk identification ability of credit officers,improving the accuracy of risk measurement,and strengthening the execution of risk control activities,this paper proposes feasible guarantee measures for optimizing the credit risk management of A branch.In this paper,A combination of theoretical elaboration and empirical test,induction and deduction and other methods are comprehensively used to conduct research,aiming to provide A branch with relevant Suggestions on the optimization methods and approaches of corporate credit risk management,so as to provide new ideas for the development of risk management of other Banks after initial results are obtained in the application.