Case Study On The Credit Risk Management Of Urban Commercial Banks Based On The Thinking Of Non-performing Loan Disposal

The city commercial bank is from the credit cooperative system reform,has the asset scale small,the regional development and so on characteristic,in the credit risk management has the weak anti risk ability,the bad solution difficulty and so on the characteristic.With the deterioration of business environment and more strict external supervision of city commercial banks,the credit risk management of city commercial banks will face more stringent challenges.In the next few years,the credit risk of city commercial banks will be exposed rapidly and on a large scale.A large number of credit non-performing assets provide a case for the city commercial banks in China to manage the credit risk based on the non-performing assets disposal thinking,which will play a greater role in the management of credit risk.This paper will focus on the role of non-performing loan disposal thinking in managing credit risk.Firstly,it introduces the characteristics and types of credit risk of urban commercial banks,the meaning of non-performing loan disposal thinking,the advantages of non-performing loan disposal thinking and credit risk management theory.Clarify the relationship between NPL disposal thinking and credit risk management.The second part is the case analysis part,which analyzes the basic situation and existing problems of credit risk of Zhengzhou branch of ZY bank.Starting from the current situation of credit risk management,credit business,structure and personnel,quantitative analysis methods are adopted.Put forward seven main problems in the bank’s credit risk management.In view of the above problems,city credit risk management is studied in three stages: pre credit review,loan approval and loan investigation.Finally,through personnel construction,assessment mechanism,system establishment,system management,external supervision and regular training,this paper puts forward nine suggestions and measures to establish the credit risk management system of urban commercial banks based on the thinking of non-performing loan disposal.Through the research of this paper,we find that there are many problems in the credit risk management of urban commercial banks in China,and the causes of credit risk exposure are various.Taking ZY bank as a case,this paper analyzes the advanced and efficient way to manage the credit risk of city commercial banks with the thought of non-performing assets disposal.By paying attention to the direct collection of non-performing assets,we should manage the credit risk of city commercial banks through the three stages of pre loan review,loan approval and loan investigation.It provides reference experience for similar banks in personnel construction,credit risk management framework,performance management,external supervision and other aspects.