Case Study On Risk Management Of Shanghai Pudong Development Bank Changchun Branch's Asset

A commercial bank is a special enterprise that manages risks.Its profits must be obtained by taking certain risks,and the deposit and loan spreads must bear the risk of possible loss of loan funds.If the management is not good,the risks will erode the profits of the bank,the shareholders' investment may not be able to obtain returns,and the creditors may not be able to recover the funds,which will affect the interests of all stakeholders of the commercial bank,and in severe cases,the bank's capital will also be Will be eroded.In this sense,risk management is the core of all management work of commercial banks.At present,China's banking industry has not paid enough attention to the risk management of asset business.The risk management level of asset business is relatively backward,which has affected the sustainable and healthy development of China's banking industry to a certain extent,strengthened the risk management of asset business of commercial banks,and adopted scientific,Efficient management measures are of great significance to the healthy development of China's commercial banks' asset business.Shanghai Pudong Development Bank Changchun Branch,as the larger joint-stock commercial bank in Jilin Province,has continuously expanded its asset business scale and its balances have grown rapidly in recent years.As of the end of March 2020,the balance of asset business ranked first among local joint-stock commercial banks.Two.While the asset business of Shanghai Pudong Development Bank Changchun Branch grew rapidly,it also brought a more complicated risk management situation to it.Faced with the increasingly stringent external supervision situation,only the asset business risk management system was continuously improved to optimize the asset business.Risk management measures and the implementation ofa risk management model that adapts to changes in the market can achieve the sustainable and healthy development of Shanghai Pudong Development Bank Changchun Branch.This article takes the case of Shanghai Pudong Development Bank Changchun Branch's asset business risk management as a case,based on comprehensive risk management theory,following the research ideas of finding problems,analyzing causes,and proposing solutions,using literature research methods and case analysis methods.Overview of Changchun Branch and its asset business,introduces the current status of credit risk,market risk,operational risk and reputation risk management in its asset business risk management process,summarizes the problems in its asset business risk management process,and analyzes the problems The reasons for the formation,at the same time,identify,evaluate and quantify each risk of the asset business,make recommendations for the imperfect risk management of the asset business,establish an asset business risk management organization,determine the asset business risk management objectives,and optimize the asset business risk Management measures,according to the three stages of asset business operations:pre-loan investigation,mid-loan review and post-loan management,targeted improvement measures were proposed,and the implementation of risk management system protection was proposed to help Shanghai Pudong Development Bank Changchun Branch improve The asset business risk management capability also provides reference and reference for the development of the asset business of other commercial banks in China.