Research On Risk Control Of ZX Bank's Loan To BLDZ Company

Since the reform and opening up,after nearly 40 years of development and recovery,private enterprises have gradually completed the breakthrough of scale change and strength qualitative change.They have unparalleled development potential and market vitality,and have made great contributions to promoting the strong trend of social economy and the great rejuvenation of the nation.They have become important customer groups of major commercial banks.? The report of the Nineteenth National Congress of the CPC and the deployment of the central economic work clearly put forward that no effort should be spared to support the development of private enterprises.Commercial banks should expand the credit scale of private enterprises by means of reforming to cope with environmental changes,advancing the process of interest rate market and slowing down the growth of profits.But at the same time,the financial industry has frequent risks,the asset quality of commercial banks has declined,and the non-performing loan rate has increased significantly.Therefore,it is the commercial banks and banks that strictly guard against systemic risks,fully identify and evaluate the risks and take measures to reduce non-systemic risks,reduce bank credit losses,improve management capacity and efficiency,and achieve long-term and stable development.Common Demands of Government Organs such as CIRC.Taking a long-term large corporate mortgage loan granted by ZX Bank to BLDZ Company in 2015 as an example,this paper,guided by the comprehensive risk management theory of credit risk theory,takes credit risk identification-assessment-response as a train of thought,and proceeds from reality to analyze the financial data of enterprises in the first three-year period and the management of bank credit risk.Credit examination and approval policy,elaborated how ZX bank considers risk in each risk link,how to choose method and how to take measures.Finally,combined with macroeconomic policy and actual operation of ZX bank,comprehensive evaluation of the effectiveness and shortcomings of risk control of this loan is made,and similar credit rating and large amount of the same kind for banks in the future are provided.The risk control of long-term loans puts forward a series of highlyfeasible suggestions and measures.When ZX Bank identifies the credit risk,it takes the real and reasonable loan demand of BLDZ Company as the starting point,and combines the procedures of pre-loan risk investigation,credit rating in loan and regular management after loan.The risk assessment mainly aims at the authenticity of BLDZ Company's loan purpose,the adequacy of repayment ability,the credit information of actual controllers and mortgage developers.When ZX Bank takes measures to deal with this risk,it focuses on arranging personnel to carry out regular and legal establishment of mortgage right,quality and delivery period of mortgage and regular inspection of the implementation of collateral after the loan.Secondly,it also arranges risks of BLDZ Company's industrial chain,short business cycle,etc.The risk of insufficient operational capacity should be taken corresponding measures.The effectiveness of ZX Bank's credit risk control to BLDZ Company is reflected in the following aspects: reasonable design of risk control system,optimization of mortgage developers choice,strict and efficient management before and after mortgage loan;the shortcomings are single risk identification means,simple risk assessment method,incomplete investigation of actual controllers,and no consideration of mortgage.At the end of the paper,the following suggestions are put forward for the risk management and control of similar loans after ZX optimization: identifying risks in all directions and from multiple perspectives,including potential risks,scientifically selecting and rationally applying risk assessment methods,developing or introducing electronic information systems to improve management efficiency,and strengthening the change of mortgage property ownership and use.The investigation of chemical.Through this study,we hope that it will be helpful for ZX Bank to manage credit risk and provide experience for other commercial banks to control credit risk of private enterprises.