Research On Credit Risk Management Optimization Strategy Of State-Owned Commercial Banks

At present,the external business environment of the banking industry is complex and changeable,the trade disputes between China and the United States are escalating,the pace of structural deleveraging is speeding up,"de capacity" industry risks will continue to be exposed,the number of local government debt early warning signals is increasing,the real estate regulation and control policies are tightening,at the same time,the financial policies and regulatory requirements are increasingly strict,strict and strong supervision are constantly increasing,and the credit management of commercial banks Facing great pressure,it is of great significance to improve the level of credit risk management.The credit risk management level of state-owned commercial banks is in the leading position in China's banking industry.Therefore,the optimization suggestions for the credit risk management of state-owned commercial banks can provide more reference for the banking industry.This paper uses the methods of literature review and extension,case analysis,comparative analysis and the combination of qualitative and quantitative methods.Based on the elaboration of domestic and foreign credit risk management theories,the analysis of the general status quo and the causes of the problems in the credit risk management of state-owned commercial banks,the first level branch of a typical large-scale state-owned commercial bank,Bank C,province h,is selected As the research object,the branch analyzes the current situation of its credit risk management and points out the existing problems of its credit risk management.In view of the problems existing in H provincial branch of Bank C,this paper puts forward optimization strategies such as optimizing credit risk management system,strengthening credit risk concentration management,improving KPI assessment system of compliance and risk sectors,taking multiple measures to reduce the risk of information asymmetry,optimizing risk early warning system and system application,improving the performance ability of credit personnel,and enhancing the ability of inclusive financial risk management.The optimization of credit risk management is a process of continuous improvement.Through the research on the problems of credit risk management of Hbranch of Bank C,this paper puts forward effective and feasible optimization suggestions,which can provide reference for improving the level of credit risk management of banking industry.