Research On Optimization Of Risk Management Of Commercial Bank Guarantee Business

A letter of guarantee is a credit product that banks use to intervene in credit to solve the problem of distrust in business activities.The letter of guarantee provides a lot of convenience for the economic activities of the country and society.The huge intermediate business income generated by the letter of guarantee business is an important part of the bank’s income.At the same time,the income generated by the letter of guarantee business also enables the bank to smoothly transform,and the profit model can be transformed from the traditional interest margin profit model to the more healthy mid-income profit model.There are also many risks in the development of the letter of guarantee business.In particular,under the impact of the epidemic,the economies of many countries have basically stagnated.Under the long-term unfavorable international economic situation,domestic and foreign commercial credit have been more or less impacted.From beginning to end,banks have been constantly exploring on the road of optimizing the risk management of the letter of guarantee business.In order for the letter of guarantee business to continue to be a profit-making channel for banks,so as to enable the bank to develop more steadily,the avoidance and prevention of risks of the letter of guarantee business has become increasingly important.The thesis takes J Bank’s letter of guarantee business risk management as the research object,and finds methods and measures to strengthen and improve the risk management of letter of guarantee business through the relevant theoretical analysis in the development process of the letter of guarantee business.Based on relevant domestic and foreign research,this thesis introduces the basic theories of commercial bank guarantee risk management and the current status of bank guarantee business risk management,and then analyzes the bank guarantee from three aspects:risk identification,risk evaluation,and risk control.Problems in business risk management include imperfect risk identification indicators,inadequate risk evaluation systems,and defects in risk control measures.In response to the above problems,this thesis designs an optimized plan for the risk management of J Bank’s letter of guarantee business.Firstly,it improves the risk identification indicators.Secondly,use the analytic hierarchy process to build a risk evaluation system suitable for J Bank’s letter of guarantee business.Finally,combining the results of risk identification and evaluation,In response to the shortcomings of existing risk control measures,the Bank optimized the risk control measures for the letter of guarantee business.On this basis,the thesis expounds the application of the optimization plan in the actual guarantee business scenario,and finally puts forward the corresponding conclusions and prospects.