Research On The Optimization Of Credit Risk Management And Control System Of Y Commercial Bank

Commercial banks are financial organizations established to meet the needs of market economic development and socialized mass production.They are the main providers of debt capital for industrial and commercial enterprises,supporting the steady and rapid development of China’s national economy.Credit business is the core business of commercial banks.Therefore,in-depth analysis of credit risk and optimization of credit risk control system are conducive to improving the profitability of commercial banks and providing a strong guarantee for the high-quality and sustainable development of commercial banks.In view of this,based on the relevant theoretical knowledge of risk management,financial management and finance,this paper takes the credit risk management and control system of Y commercial bank as the research object,uses case analysis,questionnaire survey and other research methods,deeply analyzes the existing problems and reasons of the credit risk management and control system of Y commercial bank,and puts forward the corresponding optimization scheme and guarantee measures.The main research results and conclusions of this paper are as follows:(1)investigated and studied the credit risk management and control system of Y commercial bank,and revealed its main problems:the goal and concept of the risk management and control system are unclear and the framework is unreasonable;The risk assessment mechanism is not perfect;Unscientific risk response strategies;The risk supervision system is not standardized;Lack of systematic and reasonable credit risk continuous improvement procedures.Then it explains the reasons for the above problems of Y commercial bank from the macro level and micro level.(2)Systematically optimize the problems existing in the credit risk management and control system of Y commercial bank.:First,re-establish the objective and conceptual framework of the credit risk management and control system;Secondly,in the risk assessment procedure,optimize the risk identification structure,risk analysis and evaluation system;In terms of risk response strategies,improve the credit risk recovery system,early warning system,transfer mechanism and responsibility mechanism;In the credit risk supervision procedure,it is improved from three aspects:pre loan,in loan and post loan;Finally,establish a scientific and effective continuous improvement program as the final step of the optimization content.(3)This paper puts forward safeguard measures for the optimization of the credit risk management and control system of Y commercial bank:Establish ideological and cultural guarantee and vigorously cultivate a healthy risk culture;Establish mechanism and system guarantee,improve credit risk control system and internal control system;Establish organization and personnel guarantee and clarify the responsibility distribution of relevant organizations and personnel;Establish facilities and fund guarantee,establish the credit management information system of Y commercial bank,and allocate corresponding funds.Relevant staff should use them reasonably and efficiently.This paper enriches the relevant research content of credit risk management and control of commercial banks.At the same time,it can provide theoretical basis and guidance for the continuous improvement of credit risk management and control system of Y commercial bank,and provide reference for other similar commercial banks.