Research On Prevention And Control Of Company Credit Risk Of ZBNY State-Owned Commercial Bank

Commercial banks are an important part of the financial industry,especially the large state-owned commercial banks with certain social and government responsibilities.They play a significant leading role in the overall optimization of the allocation of financial assets,the rational use of market funds,and the regulation of supply and demand relations,so as to effectively ensure the smooth and healthy operation of the overall national economy.To provide strong support for the country to better carry out macro-control.The lifeline of state-owned commercial banks is asset quality,and corporate loans to various companies and institutions are the most core assets.Corporate credit risk is undoubtedly the most important risk that banks need to pay attention to and prevent,and corporate credit is the core battlefield to declare war on risk.The development of a scientific legal person credit risk prevention and control system can further improve the risk prevention and control system,strengthen the hierarchical management and leadership responsibilities of customers,strengthen the business linkage of branches,front and back offices,refine the risk linkage prevention and control and business operation process,fully implement the requirements of credit authenticity verification,and improve the risk prevention and control level of the whole bank.In the impact of the internal and external environment,the corporate credit business of ZBNY state-owned commercial banks is basically poor,with a high amount of non performing loans and a high non performing rate.This has set high requirements on how to improve the company’s level of prevention and control of credit risk.This article takes ZBNY state-owned commercial bank as the research entry point,and constructs relevant references for its development based on the logical concepts and thinking of raising,analyzing,and solving problems.This paper identifies the credit risk factors of legal persons of ZBNY state-owned commercial banks by means of a questionnaire survey of literature materials,including five first-level indicators,including credit business process,credit structure,credit review,credit business personnel and credit business prevention and control level,covering the second-level indicators,such as the degree of business process perfection,the concentration of loan business and the structure of loan customer.In order to understand how the above indicators affect the legal person credit business of ZBNY state-owned commercial bank,this paper uses AHP method to determine the weight of indicators on the basis of this benchmark.The results show that the weight of credit review and credit business personnel in the first-level indicators is relatively large.Therefore,in order to effectively understand the credit risk prevention and control level of its legal person and put forward targeted prevention and control measures,it can be evaluated based on the extension matter-element model,and in-depth analysis of the model results shows that its prevention and control efforts are indeed insufficient,which are manifested as insufficient risk prevention and control of credit business,arbitrary risk of credit structure,review risk,credit business personnel risk,etc.Therefore,in order to improve the level of risk prevention and control,this paper proposes to optimize the level of prevention and control from five dimensions: optimizing the process of business risk prevention and control,attaching importance to reducing the risk of business structure,comprehensively controlling the whole process before and after the loan,improving the comprehensive quality of business personnel,strengthening the team building,and constructing an integrated risk assessment and supervision mechanism.