Research On The Credit Risk Management Of Zhengzhou Bank

Financial system reform has been affecting the financial market,the domestic commercial Banks are also developing continuously and playing an increasingly important role in the financial market.The main business of commercial Banks is still traditional deposits and loans,much of the profit still comes from the spread between deposits and loans,this makes these commercial Banks have characteristics of high-risk.The current risks of commercial banks in China are composed of four major risks:Credit risk,market risk,operational risk and liquidity risk,and the relatively large impact is the credit risk.As a typical local financial institution in the province of Henan,The Bank Of Zhengzhou has developed its business rapidly,and it's credit risk is outstanding.This paper studied The Bank Of Zhengzhou,analyze its credit risk status and give relevant recommendations.This paper studies the Bank Of Zhengzhou by analyzing its current status of credit risk management,then it gives relevant recommendations.Firstly,the paper shows the main research achievement at home and abroad.The concepts of credit risk and credit risk management of commercial banks are also introduced,and the methods of credit risk measurement are summarized.Secondly,the status and its credit risk management of the Bank Of Zhengzhou is introduced.Then,the internal problems and external problems of bank credit risk management are summarized.After that,the internal problems of the bank's credit risk management and the causes of external problems are analyzed.Finally,according to the problems existing in the credit risk management of the bank,the constructive suggestions are proposed.The research methods of this paper include: 1.Literature review method.This paper consults a large number of domestic academic materials in related fields and refers to professional literature in related fields abroad;2.Case analysis method.Taking Zhengzhou bank as an example,this paper analyzes the current situation of its credit risk management,and puts forward pertinent suggestions according to the causes of its problems;3.Quantitative analysis method.Through in-depth analysis of the relevant data of bank credit risk management,this paper analyzes and summarizes the problems existing in the credit risk management of the bank.Possible innovations in this article: This paper takes the current risk management situation of Zhengzhou Bank Co.,Ltd.as the research basis,and then deduces the main problems in the development of credit risk management of small and medium commercial banks in China,and puts forward relevant opinions based on the causes of the problems.The shortcomings of this paper: The research on credit risk management is only a systematic study,and it does not go deep into the bank for specific analysis;the data used has a certain lag in time.From this aspect,there are some shortcomings in this paper.