基层银行如何有效防范和化解信用风险

How to Effectively Prevent and Resolve Credit Risk by the Grass-Roots Banks

银行是经营和管理风险的机构,包括信用风险、操作风险、市场风险和声誉风险,信用风险始终是最大的风险。对于农行朔州市分行来说,法人贷款连续9年未发生不良,法人客户数量从2017年的12户骤增至226户,贷款余额增幅达109%。因此,论文对基层银行有效防范和化解信用风险的对策进行了探讨。

The bank is an organization that operates and manages risks,including credit risks,operational risk,market risk and reputation risk.Credit risk is always the biggest risk.For the Shuozhou Branch of Agricultural Bank of China,the corporate loan has not been non-performing for 9 consecutive years.The number of corporate customers has increased sharply from 12 in 2017 to 226,and the loan balance has increased by 109%.Therefore,the paper discusses the countermeasures of effective prevention and resolution of credit risk in the grass-roots banks.