Research On Credit Risk Management Of Gansu Postal Savings Bank

At present,frequent trade disputes among countries and increasingly severe economic situation have made all types of enterprises suffer from the impact of the environment and increased operational risks,accompanied by an increase in non-performing loans in the banking sector.Today,when China's economy requires high-quality development,it is extremely important to prevent and control credit risks,maintain financial order and ensure the stability of the financial market.As one of the main businesses of Banks,credit business has a great impact on the operating capacity and profitability of commercial Banks.The overall risk of credit business directly affects the development of Banks and relevant decisions.Therefore,the study of bank credit risk management is of great significance to this industry.Taking gansu branch of postal savings bank as an example,this paper studies the credit risk management of the banking industry.On the basis of introducing relevant theories and concepts,this paper firstly analyzes the development status and problems of the credit business of gansu branch of postal savings bank,and gives a brief overview of the basic situation,credit business situation,management characteristics,development situation and risk control process and mechanism of credit business of postal savings bank.Secondly,this paper analyzes the problems existing in the credit business of gansu branch of postal savings bank from the perspectives of pre-loan,mid-loan,post-loan and loan officer system,and introduces the main problems existing in the current situation of pre-loan,mid-loan,post-loan and loan officer system of gansu branch of postal savings bank and the main reasons for the problems.Finally,in view of the problems raised,the article gives out the postal savings bank gansu branch credit business risk prevention countermeasures and Suggestions.