Study On The Optimization Of GD Commercial Bank Credit Risk Control Model

Since the national economy changed from planned economy to market economy,with the development of market economy,finance plays an increasingly important role in the national economic cycle.Commercial banks,as an integral part of the financial market,its main product is credit business,to obtain huge profits at the same time faces a bigger credit risk,so how to achieve the effective control of credit risk has become the core elements of financial institutions how to occupy the market,whether the relationship between the commercial Banks can be healthy and sustainable development.It is necessary to increase analysis and research to effectively control credit risks.For banks,a good risk control model helps to reduce the rate of decision mistakes,reduce asset losses and increase added value.In the risk control of commercial banks,the risk control mode is the overall summary of their work content,so the control of the quality of risk control mode also determines whether commercial banks can develop healthily.This paper takes GD Commercial Bank as the research object.First of all,it describes the basic situation of GD Commercial Bank,introduces in detail the loan lending and non-performing loan business development of GD Commercial Bank in recent years,and expounds the current status of the bank’s credit risk control model.It is considered that there are problems in risk management supervision orientation,risk management awareness and risk identification.Then it discusses the causes of the problems existing in GD commercial bank’s credit risk control,including risk measurement,risk concept and guarantee risk.Secondly,by thinking about the problems and the causes of the problems,the design scheme for the optimization of GD commercial bank’s credit risk control mode is designed,and the overall objectives and principles of the scheme are established.The risk control process,internal governance system,risk control means and risk early warning system are optimized.Finally,the expected effect and safeguard measures of the implementation of the optimization plan are described.The expected effect includes the improvement of risk control culture,the optimization of supporting facilities and the increase of employees’ enthusiasm.The safeguard measures are described from three aspects:system guarantee,organization guarantee and resource guarantee.The optimization research in this paper brings research enlightenment to the optimization of such credit risk control in the same industry and provides help to promote the healthy development of credit risk control in commercial banks.