Research On Credit Risk Management Of Mongolian Commercial Bank

In the late 20 th century,many major banks in the world broke out into credit crises and gradually became a risk case of global concern,triggering the global financial crisis and economic risks.Commercial banks around the world began to pay attention to hidden credit risk hazards.After 2017,personal credit reporting has been widely concerned by countries around the world.Although the support of big data and intelligent connected platforms makes it easier to obtain the credit data of individual customers,with the continuous changes in the world economic situation and the emergence of commercial banking business,There is a huge crisis in bank credit risk management.Facing the current pressure of global economic development and the slowdown of economic growth,it is important to continuously strengthen the risk management of commercial banks and establish corresponding early warning mechanisms so that risks can be effectively contained and managed.If credit risk cases are condoned,Constant occurrence will lead to a crisis in the development of the commercial banking industry.With the continuous development of Mongolia's economy,its business scope has gradually expanded to the whole world,and the types of business have changed more than the traditional business in the past.Therefore,the forms of credit risk are various.In terms of risk management models in more developed countries,Mongolia 's credit risk management of banks is relatively single,and there is still a lack of scientific basis for the strength of risk regulation.Therefore,referring to foreign successful experiences,Credit management is very important.The thesis combines the relevant theories and models of credit risk management,and takes KHAN Bank of Mongolia as an example to analyze the internal control evaluations taken in the face of risks.Process analysis is performed in four aspects: the preparatory work of the internal control evaluation process,the on-site internal control test,the post-event evaluation and analysis,and the supervision and inspection.Then it summarizes from the establishment of the evaluation index system,the description of the key control points in the evaluation,and the identification of the evaluation results.Analyze the shortcomings of Mongolia's commercial banks in their poor external market macro operations,lack of a scientific and reasonable credit risk management system,and lack of scientific credit risk management.Comprehensive credit management systems of China's commercial banks and credit management methods in the new situation Based on five aspects,establishing and improving credit risk rating and early warning systems,improving capital efficiency,strengthening credit law construction and policy support,building an effective organizational structure,and establishing a comprehensive credit risk management information system for Mongolia.Suggestions on commercial bank risk management issues.