| Credit business accounts for the largest proportion of all kinds of asset business of commercial banks,and credit business has the characteristics of high returns and high risks.To ensure good operation,commercial banks must establish profit system and improve their development level on the premise of risk prevention.The risk of credit business of commercial banks is relatively prominent,and the management of the risk of credit business is the top priority in the operation of commercial banks.However,China’s commercial banks lag behind developed countries in risk management of credit business,and some commercial banks have many defects in this respect.In the context of the continuous expansion of the scale of commercial banks,increasingly fierce inter-bank competition,continued regional economic downturn and increasingly diversified financial crisis,China’s commercial banks should gradually improve their risk management capabilities for credit business.H bank as a joint-stock commercial bank,the bank has a risk management system of credit business,but in recent years,H bank credit risk management problems occur frequently,many problems focus on loans and non-performing loans,expose the low efficiency of risk management and poor risk management ability,its root cause lies in H bank credit business process for lack of risk identification,for risk measurement is not accurate,risk control has some defects.This paper takes the credit business of H bank as the research object.Firstly,the risk management theory of credit business is introduced,and the measurement method and model are introduced to investigate the pre-loan,mid-loan and post-loan risks of H bank’s credit business by means of questionnaire survey.Then,the analytic hierarchy process and fuzzy comprehensive evaluation method are used to quantify the risks of H bank’s credit business at each stage.Finally,according to the risk assessment results of H bank’s credit business,corresponding risk control countermeasures and effective safeguard measures are proposed.Through risk identification,risk measurement and evaluation,this paper quantifies the risk factors at each stage of H bank’s credit business,conducts qualitative and quantitative analysis of the risk situation of H bank’s credit business,and effectively points out the deficiencies in the risk management of H bank’s credit business at each stage.According to the corresponding analysis,conclusions are drawn and targeted risk control improvement plans are put forward,which have strong practical significance for the improvement of the risk management of H bank’s credit business and the risk management of other credit businesses in the same industry. |
