Research On Credit Risk Management Of Industrial And Commercial Bank Of China G Branch

With the deepening development of China’s informatization,the credit risk of traditional commercial banks has been transformed from the original "customer-bank" binary risk to the diversified risk.With the deepening development of credit business,credit risk management is not only an important work for commercial banks,but also an important factor affecting the sustainable development level of commercial banks.At present,the risks of commercial banks in China are constantly changing with the changes of the economic market,resulting in the gradual increase of the credit risks of sub-branches,and the control effect on them is also declining day by day,which has a great impact on the normal development and healthy development of sub-branch credit.At present,there are some problems in the credit risk management of ICBC G Sub-branch,which increases the credit risk incidence of ICBC G sub-branch,thus affecting the healthy and long-term development of ICBC G sub-branch.Therefore,how to prevent and control the credit risk of ICBC G Sub-branch has become the focus of its management.This paper will be industrial and commercial bank of G branch as the main research object,through the relevant literature research found that the industrial and commercial bank of G branch credit risk management in more loopholes,caused the credit asset quality decline,the development of the problems such as non-performing loan ratio,and the industrial and commercial bank of G branch health operation and good development caused great influence.This paper first expounds the related concepts of credit risk management and asset management theory and internal control theory and other risk management theory;Secondly,analyze the credit business and risk management status of ICBC G Sub-branch,Understand the current basic credit situation of ICBC G Sub-branch;Then conduct the weight analysis of each risk factor through hierarchical analysis,Inspection of the credit risk,And make the corresponding evaluation;last,Building the credit risk index system of ICBC G Sub-branch,To control the risk of the credit business of ICBC G Sub-branch,Solve the risks in the credit business of ICBC G Sub-branch,In order to play a positive role in the credit business of ICBC G branch and the long-term and healthy development of the business.