There are two main problems with the bank's credit management:

1. The risk management department is too conservative, resulting in the elimination of some potential large customers worth fighting for. The bank's risk management department focused too much on avoiding losses and neglected to explore and exploit potential business opportunities. Although doing so can reduce credit losses, if other banks acquire these high-quality customers in peer competition, the bank will lose market share and competitiveness.

2. The internal audit department failed to detect and correct problems in a timely manner. The bank's internal audit department should monitor and evaluate credit risks, promptly discover and correct conflicts and problems between the credit department and the risk management department, and avoid possible losses. However, the bank's internal audit department was not able to identify and resolve the problem.

In response to the above problems, the following solutions or ideas can be adopted:

1. Establish a reasonable and effective internal control system. The bank should establish a complete internal control system, including setting up internal audit, risk management and other departments, clarifying the responsibilities and powers of each department, and ensuring that every link is strictly controlled and supervised.

2. Strengthen the construction of corporate culture and create an atmosphere for risk prevention and control. The bank should strengthen the cultivation of employees' awareness of internal control, so that employees understand the importance of internal control, enhance self-discipline, and promote the implementation of a risk prevention and control culture.

3. Strengthen internal audit supervision and promptly discover and correct problems. The bank should establish a complete internal audit mechanism to promptly discover and correct problems, strengthen supervision of various departments, and ensure the compliance of business operations and the authenticity and integrity of accounting information.

4. Adopt a comprehensive assessment method to coordinate credit management and risk management. The bank should adopt a comprehensive assessment approach to coordinate conflicts between credit management and risk management, avoid neglecting other factors because of a single indicator, and safeguard the bank's long-term interests. At the same time, we can strengthen competitive communication with other banks, find more business opportunities, and enhance market competitiveness.

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