交通银行XT分行信贷风险管理研究-会计专业论文.docxVIP

万方数据 万方数据 ABSTRACT After joining the WTO, China has been gradually open to the banking sector, escalating competition between commercial banks, facing unprecedented challenges. At the same time, the level of commercial banks is becoming higher and higher. Credit risk is the primary risk faced by commercial banks. Credit risk management of Bank of Communications, XT Branch has some loopholes and deficiencies, on the one hand, it did not establish an effective risk management control system, on the other hand, it is lack of risk compensation mechanism. The possible risk of credit business has become a big problem for the further development of XT Branch. In this paper, we take risk management of Bank of Communications, XT Branch as the research object. The paper includes six chapters. The first chapter is introduction, including topic background, literature review, research ideas and methods and the expected results of this paper. The second chapter is credit risk management theory, including the concept and characteristics of credit risk, types of credit risks and risk analysis methods in common use. The third chapter is the analysis of risk management of Bank of Communications, XT Branch, including introduction and the present situations. The fourth chapter is main problems that XT Branch exists. The fifth chapter is the suggestions in order to strengthen the credit risk management of Bank of Communications, XT Branch according to the problems mentioned above. Mainly includes: adjust the structure of credit assets, strengthen customer information disclosure review, comprehensively grasp customer information, perfect credit risk management mechanism, update credit risk management concept, set up credit risk compensation processing system, dissolve bad loan risk, establish good credit culture and improve the professional quality of credit personnel. The sixth chapter is summary and outlook. Keywords: Bank of Communications，XT Branch，Credit risk，Financial analysis 目 录