Research On Credit Business Risk Management Of Bank G Heilongjiang Branch Company

At present,the economic development is complicated,and commercial Banks are facing increasing external and internal risks.Trade war,industrial restructuring and economic growth slowdown are all affecting the operation and development of commercial Banks.At present,corporate credit business is the most important source of commercial Banks,and the steady development of corporate credit business determines the fate of the whole bank.However,the bank corporate credit business itself is the risk management,for the corporate credit business risk management is the focus of each bank.As one of the largest financial institutions in Heilongjiang province,Heilongjiang Branch of Bank G not only undertakes its own operating responsibilities,but also plays a huge role in promoting the economic development of Heilongjiang Province.G bank heilongjiang branch company,more than one hundred billion yuan loans for the local enterprises provided a huge financial support,but in the process of service due to the enterprise itself,the Banks themselves,and the influence of multiple factors such as external economic policy loan defaults situation often happen,this for the G bank heilongjiang branch credit business are of great business challenges.Based on information asymmetry theory,credit rationing theory,total risk management theory and internal control theory,this paper analyzes comprehensively the existing problems and causes in the risk management of corporate credit business of Heilongjiang Branch of G Bank.This paper mainly USES environmental analysis method to analyze the risk management of corporate credit business of Heilongjiang Branch of G Bank.Through the analysis of internal and external environment of the risk management of corporate credit business of Heilongjiang Branch of G Bank,this paper proposes implementation strategies and safeguard measures on how to improve the risk management level of corporate credit business of Heilongjiang Branch of G Bank.