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GZIFF048.pdf

Article Title : Credit Risk Analysis of Guiyang Bank
Author(s) : Zhenqian Zhang, Ruiqiang Li
Corresponding Author : Ruiqiang Li
Keywords : Guiyang Bank; Credit Risk; Non-performing Loan Rate; Non-performing Loan Structure; Non-performing Loan Concentration.
PDF : http://download.BCPub.org/proceedings/2020/GZIFF2020/GZIFF048.pdf
Abstract

This paper analyzes the credit risk of Guiyang Bank using the financial data of 2016-2018. The study found that Guiyang Bank performed better in the control of Non-performing loan rate, and the control of subprime loans and suspicious loans was better, but the control of loss loans was poor, and there were some hidden risks. The Non-performing loan industry has a high concentration and a high risk of credit risk, and several major credit risk regulatory indicators meet the requirements and are at a high level of security. Overall, Guiyang Bank credit risk is at a low level, the risk can be controlled, but also for some credit risk factors to strengthen risk prevention and control.

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