Research On The Credit Risk Management For The Private Enterprises Of Lan Zhou Bank

As the first A-share listed commercial bank in Gansu,Bank of Lanzhou has become a city commercial bank with a large deposit and loan scale in the five provinces of Northwest China after continuous development and expansion in recent years.The new market economy development orientation of "serving small and medium-sized enterprises,serving the private sector,and serving the citizens" has put forward higher requirements for the credit risk management of private enterprises in today’s complex market economy situation.The main business scope of Lanzhou Bank is credit business.This paper focuses on the research on the credit risk management of Lanzhou Bank’s private enterprises.Taking Lanzhou Bank as an example,this paper conducts an in-depth study on the credit risk management of private enterprises,and study the relevant concepts and theories of private enterprise credit risk management through literature research,and sorts out the problems existing in Lanzhou Bank’s private enterprise credit risk management at this stage and analyzes the cause of the problem as well;then use the expert investigation method and the analytic hierarchy process to identify the risk classification and risk factors faced by the private enterprise credit business and determine the risk level of the risk factor and figure out risk management strategies.The conclusion of this paper shows that the risk of private enterprise credit business includes 5 types of risks and 23 risk factors of different importance levels.The risk level of risk factors is divided into major risk,high risk,medium risk and low risk.Then the paper formulates different risk management and controlling strategies according to the risk level.Through the identification,evaluation and risk management and control strategies of the credit risk and risk factors of private enterprises,this paper forms a relatively systematic risk identification and evaluation system,which supports the favorable system for the management and control of credit business risks of private enterprises and is conducive to improving the private enterprises of Lanzhou Bank.The operability and timeliness of credit business risk management will improve the credit asset quality of Lanzhou Bank’s private enterprises.