Research On Credit Risk Management Of Marine Ranch Project Of Branch A Of ADBC

Downtown pressure on the economy has been increasing in recent years,bringing the credit risk situation of traditional industries to a more grim situation.The new mode,new demand and new thinking generated by Internet plus have brought great impact to the traditional credit business of banks.The number of commercial banks and the competition brought by the interest rate liberalization have become white hot,and the profits of traditional industries have been declining year by year.Agricultural Development Bank,as a policy bank that obeys the policy of serving the country,is faced with the shrinking of traditional business and the challenge of asset quality.It is urgent to follow the policy and industry direction to the new economic growth point,and invest the credit funds in the new industry field.As an important area of national economy and people's livelihood to realize the strategy of"maritime power",the marine ranch project embodies policy,which is an important embodiment of the bank's social responsibility.The research on risk management of marine ranch credit is helpful for policy banks to measure their own risk management and control level correctly,and is of great significance for improving risk management mechanism and improving risk management and control level.On the basis of reading a large number of literature,combined with the case study of the marine ranch project of MB company participated by the author,on the basis of theoretical analysis and practical connection,this paper combs out the factors that may affect the credit risk of the marine ranch project of MB company of Agricultural Development Bank A and forms the credit risk factor questionnaire,forming three categories and 16 risk index evaluation systems.Experts in the relevant fields of marine ranch credit project are called to obtain the full ranking weight value of the importance of credit risk factors through the judgment of the importance of credit risk,and then the qualitative evaluation data are quantified by using the fuzzy comprehensive evaluation method to analyze the weight of each risk index.The credit risk of marine ranch is scored and evaluated by combining the AHP and the fuzzy comprehensive evaluation method,Finally,the credit risk score of the marine ranch project of MB company of bank a of Agricultural Development Bank of China is 61.05,which belongs to the medium risk project.The three major risks of the bank are ranked as operation risk,market risk and credit risk according to the impact degree from low to high.The risk is objective.We should take active credit risk prevention and control measures to avoid the occurrence of risk or take risk mitigation measures to minimize the adverse effects of risk.Based on my own banking experience and referring to the same type of credit projects in the same industry,the author gives suggestions and measures on the operational risk,market risk and high-risk factors in credit risk one by one,so as to provide certain reference and reference for Agricultural Development Bank of China to carry out credit risk prevention and control of marine ranch related businesses.