Research On The Credit Risk Management Strategy Of Baoshang Bank Limited

China's economy is currently in a "three-phase superimposed state",and the risk of economic downturn is very large.With the occurrence of new coronavirus at the end of 2019,the uncertainty is even greater.However,the credit risk management of China's small and medium-sized banks is not sound and credit risk events Occurs frequently.This article takes Baoshang Bank as a case.First,it analyzes the problems in the credit risk management of Baoshang Bank from the perspectives of moral hazard,adverse selection,and agent: from the perspective of moral hazard Increased certainty and inadequate post-lending tracking have made banks unable to understand the borrower's use of funds,leading to increased credit risk for contractor banks;from the perspective of adverse selection,due to the backwardness of risk measurement methods and rougher risk approvals of contractor banks,The subcontractor bank cannot fully understand the borrower's information,which makes the subcontractor bank on the more passive side of the information,thereby increasing the credit risk.From the perspective of the agent,because the subcontractor bank used the deposits in some high-risk The lack of project and credit risk culture and weak awareness of credit risk have damaged the interests of shareholders and depositors.Secondly,it points out the reasons for the credit risk of Baoshang Bank: from the external perspective,it is the economic downturn;from the internal perspective,it is poor storage capacity,poor internal management,and irregular governance structure.Finally,from the perspective of credit risk identification,measurement,monitoring,control,and disposal,credit risk management solutions to reduce information asymmetry are proposed: in terms of credit risk identification,"combining hard and soft information","emphasizing on-the-spot investigation",and "introducing finance"Technology" and "Post-loan monitoring";proposed "combination of qualitative and quantitative" in credit risk measurement;further refined the credit risk early warning system in credit risk monitoring;proposed top-down control strategies in credit riskcontrol,That is,from the level of ideology and culture to the level of specific loans;in terms of disposing of credit risks,it has further improved the way of disposing of credit risks.