The Credit Risk Response Strategy Of X Branch Of PA Bank Under The Impact Of COVID-19

For China’s financial system,which is dominated by indirect financing,bank credit risk management is always the core content of financial supervision,and it is also the key factor affecting the security of financial system.Under the impact of COVID-19,the foundation of bank asset quality recovery is not solid.For example,the supply-side reform of the real estate industry has increased credit risks such as development loans and housing loans;Tourism,catering and entertainment industries are still facing problems such as uncertain operation and tight cash flow.A few banks have insufficient management and governance capacity,which increases the internal operational risks of banks.In this case,it is necessary to deeply study the credit risk management of commercial banks.X Branch of PA Bank is an important branch in North District of PA Bank,which is representative in credit risk management,internal management and so on.Studying the credit risk management of X Branch of PA Bank in depth will help to find the problems of bank credit risk and improve the ability of bank credit risk identification,evaluation and management.In this paper,the economic cycle theory,bank risk management theory and financial fragility theory are used as research tools,and the financial statements,China Banking and Insurance Regulatory Commission and central bank data of PA Bank are used as research texts and data.By means of text analysis,mathematical statistics and individual surveys,the credit assets and credit risks of X Branch of PA Bank are investigated,the current situation,credit risk problems and causes of credit risks of X Branch of PA Bank are analyzed,and the credit risk management strategies of X Branch of PA Bank are put forward.According to the logical thinking of "clarifying the concept-discussing the theory-expounding the present situation-asking questions-analyzing the reasons-proposing countermeasures",the full text is launched.Firstly,the research status of bank credit risk under the impact of COVID-19 is sorted out,and the research ideas and methods of X Branch of PA Bank are expounded.On this basis,the concepts of bank credit,credit loan and credit risk are analyzed,and the theoretical basis of bank credit risk management is expounded.Then,it discusses the credit business structure,credit asset quality,credit risk management,credit business risk and other issues of X Branch of PA Bank,and analyzes the causes of the credit risk problems of X Branch.Finally,from three aspects: pre-lending risk prevention,in-lending risk management and post-lending risk resolution,this paper puts forward the credit risk response strategy of X Branch of PA Bank under the impact of COVID-19.The credit risk analysis of X Branch of PA Bank shows that:(1)The quality of bank credit assets has a strong periodicity,which is deeply influenced by the external economic environment.The slowdown of economic growth and the reform of real estate supply side under the impact of COVID-19 have increased the credit risk of X Branch of PA Bank.(2)Under the impact of COVID-19,X Branch of PA Bank is faced with credit risk challenges,such as declining quality of credit assets,accumulation of potential credit risks,many loopholes in credit risk management,incomplete and objective loan risk assessment,and low completion rate of non-performing credit disposal.(3)The credit risk of X Branch of PA Bank is affected by many factors,such as the deterioration of economic environment under the impact of COVID-19,profit-making entities of banks under the impact of COVID-19,congenital defects of banking business model,imperfect credit risk management of enterprises,etc.(4)Under the impact of COVID-19,X Branch of PA Bank should improve the credit risk assessment mechanism,credit risk prevention mechanism,credit risk management process,credit risk responsibility mechanism,and increase the collection and disposal of bad credit.