Research On The Problems And Countermeasures Of ZZ Bank Credit Risk Management

The city Commercial Bank is formed under the special historical condition of China,and it is the product of the Central Financial Department to clean up the city credit cooperative and dissolve the local financial risk.ZZ Bank,as a local legal bank,has been established and reformed since 1996.After years of rapid development,ZZ Bank already has a perfect corporate governance system and has become an important part of the local financial system,assuming the historical mission of serving local small and medium-sized enterprises,its development path can represent the expansion process of China's small and medium-sized banks in recent 20 years.Like other city Commercial Bank,ZZ Bank's rapid growth in assets has been accompanied by an acceleration in the exposure to credit risks hidden behind high growth rates in the past as the overall macroeconomic growth rate has slowed.Coupled with the implementation of a series of measures such as the in-depth adjustment of the country's macroeconomic structure,the continuous reform of industrial policies,and the continued management of the banking market chaos,ZZ banks' ability to resist risks continues to be under pressure,nonperforming loan rates remain high.Therefore,how to manage credit risk,prevent and control risks,dispose non-performing assets,maintain profit growth,has become its top priority.This paper first introduces the background and significance of credit risk management research,domestic and foreign research status,paper research ideas and methods,through the Commercial Bank credit risk management theory research,this paper systematically introduces the key links of credit risk identification,measurement,control and disposal,and then takes ZZ Bank as an example to introduce its basic situation and organization structure,this paper compares and analyzes its operating performance and non-performing loan rate with the data of the same region and the whole country,and obtains the evaluation of its current credit risk management.Due to the rough development mode and the lack of risk culture,ZZ Bank has some problems in the aspects of credit concentration,off-site business,risk control system and technology level.Finally,this paper suggests that ZZ Bank should optimize its asset structure,perfect its credit policy,perfect the early-warning mechanism of risk control,improve the disposal efficiency of bad assets,promote the construction of talents science and technology,and strengthen the construction of risk management culture.Based on the local characteristics of the city commercial banks in the service of the local real economy at the same time because of their different economic environment,risk management ability of the difference,in 134 city commercial banks in less than 1% of the non-performing loan rate,the non-performing loan rate of poor management is more than 5%,and the two-level differentiation is more and more obvious.Therefore,the research on credit risk management of ZZ Bank is of great practical significance for its future development,and it can also provide reference for other small and medium-sized banks.