Research On Credit Operation Risk Management Of Z City Commercial Bank

Commercial banks had been developing slowly before the reform and opening up.After the reform and opening up,they were highly valued by various departments of the state.At the same time,based on economic globalization,China’s commercial banks ushered in huge development.However,commercial banks are facing fierce competition and great challenges while developing rapidly.The operational risks of commercial banks,especially terminal business,not only exist widely but also bring very serious negative effects.The credit business of banks is an indispensable part of the business process of banks.Affected by a variety of factors,operational risks are easy to occur,frequent,difficult to detect and difficult to control.The increasing risk of bank credit operation may bring unforeseeable loss to the bank.Recent years,a lot of cases caused by bank credit operation risks has increased year by year and the number of cases involved has also shown a rising trend,which has a negative impact on the entire financial sector,employees and customers.Therefore,the research on the status quo,prevention of credit operation risk management of commercial banks is of great practical significance to the sustainable development of commercial banks under the new situation.This paper chooses Z City commercial bank as a case study to carry out a specific study on its credit operation risk management.It summarizes the theoretical system of bank credit operation risk management of domestic and foreign scholars,and expounds the research conclusions of commercial bank credit operation risk management at home and abroad;Based on the actual situation of the credit operation risk management of Z city commercial bank,find out the causes of the existing problems and analyze the problems.The author uses a variety of methods such as comprehensive evaluation and expert evaluation to scientifically evaluate the current situation of credit operation risk management of commercial banks in Z City and find the problems in the current management.Finally,in view of these problems,scientific solutions are formulated based on the actual situation to help Z City commercial bank develop in an orderly manner,and at the same time,we hope to help other commercial banks to avoid or effectively control such problems.