Commercial Bank Credit Risk Identification And Prevention

Reform and opening up, Chinese commercial Banks in 30 years, sustainable growth has made remarkable achievements. Meanwhile, arising from the commercial bank assets security issues have also become social economy and the corresponding supervision department issues of concern. But the most obvious way is the safety of commercial bank credit assets. This paper emphatically discusses commercial bank credit assets risks, and separately from theory and practice this paper describes how to use the COSO theory comprehensive preventing commercial bank credit assets have potential risks.'Risk'as a commercial bank credit assets with the inherent characteristic, is matching with profitable.'Risk'a definition emphasized risk reflected uncertainty, while another definition emphasizes the performance for the loss risk uncertainty, financial risk that belongs to the latter.For better put accused of all kinds of risk factors, western scholars provide us with a powerful analytical tool-COSO system. This system consists of eight elements, from within the enterprise internal environment, the risk goal, to dealing with risk and controlling risk setting a comprehensive prevention and control process. For the primary business goal in the safety of modern commercial bank, we will make full use of the COSO theory in the credit assets safe guard. Although commercial banks accept credit business variety, but talking about risk prevention and control key is very orderly may follow.'The more developed, the internal financial important'. With the continuous development of financial risk management role, increasingly prominent and play a growing role. According to the major modern commercial bank credit business, the article separately from a single enterprise and cooperation agency two aspects of the example of commercial bank credit assets discussed the potential risk attitude and preventive measures. The article adopts the normative research and case studies the method of combining the risk theory, the COSO system application in the credit business problems made an attempt, belong to totally, hope for our country commercial bank credit assets of risk prevention and control for solving the problems of the help.