Credit Risk Analysis Of XX Branch Of Postal Savings Bank

In recent years,with the continuous development of China's economy,the level of living consumption has been increasing,and the market demand for credit services has continued to increase.In the credit business of commercial banks,risk management and control have always been the key and difficult issues.Credit risk not only affects the default rate of credit business and the overall development of the business,but also adversely affects the realization of commercial banks' business objectives and the increase in profits.At the same time,the supervision and management of credit risk is one of the important components of the management of the entire credit system of commercial banks,and it is also one of the contents that must be focused on for the continuous expansion of credit business.Strengthening credit risk management of commercial banks is conducive to improving the quality of credit assets and profitability.It has important practical significance for commercial banks to better avoid risks and promote sustainable and healthy business development.Postal savings bank XX city branch has been providing credit services for agriculture,rural areas and farmers since its establishment in 2008.Based on the principle of "supporting local economic development",relying on the economic characteristics of XX region,we will try our best to expand our business scope and strengthen regional influence.At present,the credit products are: personal small loan,personal business loan,personal consumption loan,second-hand housing loan,small business loan,etc.Through unremitting efforts,the branch of XX city,while completing the modern transformation into a commercial bank,plays a pivotal role in the process of promoting the economic development of XX region.However,with the increasing loan scale,the problem of non-performing loan risk has become a major obstacle to the development of XX branch and an important reason for restricting the optimization of credit asset quality.Although XX city branch will each loan business has been positive development as the goal,but because of the lack of high-quality personnel,the system construction is not perfect,understanding of risk does not reach the designated position,so to achieve this goal,through staff training,system perfect,perfect the early warning model,establishing perfect credit risk system construction,balance the relationship between the business development and risk control.Based on this,this article will take the credit risk influencing factors of PBC as the research topic,conduct an empirical analysis with PBC's XX scores,and conductresearch on PBC's asset size,non-performing loan data and actual credit overdue customer cases in the past five years Analysis,and then evaluate the main influencing factors of the credit business of the Postal Savings Bank XX Branch,and carry out detailed analysis and discussion through the analytic hierarchy process,and conclude that the credit risk influencing factors are the borrower's guarantee method,credit situation and development prospects,Finally,the credit management policy suggestions for XX branch of Postal Savings Bank are given.