Credit risk control method to eliminate risk

Credit risk is still the main risk, because in the future, deposit and loan business will still be the main business of commercial banks in China, which is the basis for survival and development. The following is the credit risk control method compiled by Bian Xiao. I hope you like it.

Control method of credit risk

1. The pre-loan investigation should fully verify the borrower's capital demand, purpose and repayment source, implement the guarantee, and set a reasonable loan term according to the capital demand.

2. The loan operation should be standardized, strictly follow the credit operation process, ignore it, do not form an invalid guarantee, do not take over the defective collateral, and use the bank's deposit certificate as collateral as much as possible.

3. Check the loans in time, classify the loans in strict accordance with the requirements, and pay a return visit to the customers within 15 days to verify the use of funds.

4. Strengthen the supervision of customers' accounts, require customers to provide effective fund withdrawal vouchers, regularly check the withdrawal of their funds, and take timely measures if there are any changes.

5. Understand customer trends from the side. For customers who have formed a customer community, it should not be difficult to collect information, that is, customers and customers are enterprises or friends in the same industry or upstream and downstream, and they can get to know each other through them.

Precautionary measures of credit risk

1, strengthen access management. In the credit link, it is necessary to scientifically verify the total amount, clearly distinguish the types, and strictly follow the authority; In the process of using letters, it is necessary to conduct in-depth investigation, careful examination, full brewing, strict examination and approval, and put forward effective restrictions and management measures; In the process of review, explore the establishment of independent review system, review collegial system, review consultation system and review supervision system. For normal loans, focus on strengthening maintenance and in-depth development, and continue to provide high-quality and efficient services and credit facilities; Pay close attention to the loan, pay close attention to the changing trend of unfavorable factors, ensure the effectiveness and sufficiency of the guarantee, and seize the opportunity of realizing customers' assets, external financing, restructuring and improving operations to quit; For suspicious loans, it is mandatory to collect them decisively according to law.

2. Strengthen early warning and monitoring. Risk early warning is an important measure to prevent credit risk. A good early warning mechanism can move the risk threshold forward and achieve the effect of early detection, early warning and early disposal. It is necessary to realize "multi-channel" early warning, innovate credit risk monitoring and early warning means, comprehensively use credit management system, professional statistical reports and various media to obtain risk information and data, build a risk monitoring and early warning information system, and form a working situation of "multi-angle observation, multi-directional analysis and multi-channel transmission". It is necessary to realize "zero distance" early warning, establish and improve a scientific monitoring index system, and improve the authenticity, timeliness and accuracy of monitoring.

3. Accelerate credit adjustment. There are not many enterprises that prosper under the conditions of market operation. Only by strengthening the credit withdrawal in a forward-looking way can the quality of credit assets be effectively prevented from deteriorating. In the aspect of customer withdrawal, "three changes" should be realized: first, the change from factual risk withdrawal to potential risk withdrawal. Move the risk threshold forward, dynamically track the migration trend of various loans, and improve the predictability of development trends. The second is the change from passive exit to active exit. Overall planning, early planning, through collection, write-off, examination and approval control and other means, actively reduce the loan balance of small-scale, low-efficiency, poor prospects and high-risk enterprises. The third is the transition from tactical exit to strategic exit. The adjustment of credit structure should not be rushed, and the rhythm and intensity must be controlled to prevent the formation of bad conditions when withdrawing.

4. Strengthen post-loan management. Post-loan management is to constantly find the early warning signals of marketing opportunities and customers, and constantly put forward solutions and countermeasures to solve problems and put them into action. It is necessary to establish an assessment system for post-lending management, incorporate customer inspection process, information analysis process, early warning and prediction process and customer withdrawal process into the overall assessment category of credit work, formulate assessment standards and basis for each management link and element, and urge post-lending managers to implement post-lending management frequently, consciously and deeply, and concretize conceptual management. It is necessary to establish a differentiated risk monitoring system, do a good job in dynamic tracking and monitoring of marginal loans while closely monitoring risk changes, and formulate a sound risk monitoring plan to resolve potential risks in time.

5. Cultivate a culture of compliance. Attention should be paid to cultivating good professional ethics of account managers, so that they will never cross the "protection line" of ideology and morality, never touch the "warning line" of rules and regulations, and never violate the "high-voltage line" of law. We should pay attention to the establishment of an incentive and restraint mechanism that is compatible with the compliance culture, and send a clear message, that is, reward those employees who are good at discovering risks, revealing risks and avoiding risks, and punish those employees who violate loan rules, create loan risks and ignore loan risks, and effectively form a good atmosphere of "not simplifying loan procedures on the grounds of efficiency, not adapting rules and regulations on the grounds of development, and not relaxing access conditions on the grounds of horizontal competition".