The G Bank Shaanxi Branch Credit Risks Guard System Research

Along with economic reform and opening up further, whether internal development needs or external of the increasingly competitive pressures, require state-owned commercial banks to resolve potentially huge bank risks and improve the stability of the country's financial system. Credit risk is one of the major risks that the state-owned commercial banks will be facing. Therefore, the strengthening of state-owned commercial bank's credit risk management is conducive not only to protect its own security operations, but also help to preserve the stability of the country's financial system to support the sustained and healthy development of national economy, which is of great significance and extremely urgent.This article selects the G Bank Shanxi Province Branch's credit risks guard system to take the research, study how to effectively as commercial banks charge for assessment and management to prevent and slow-release credit business credit risk. This article consists of three parts, the first is the thesis writing background and related issues, including research background, research purposes, the scope of the study, research methods and research tools, the theory expounded by the commercial banks sector credit risks related literature, analysis of the bank And the formation of credit risk measurement, for the analvsis after the pave the way for. The second part as the main, including the G Bank Shanxi Province Branch for the security status of the collateral and the collateral on a security risk prevention system for the analysis of the status quo. Found that the existing charge for a security risk prevention system of the existing problems, and the reason for the deep-level analysis. Part III discusses the G Bank Shanxi Province Branch charge for credit risk prevention system and the need to re-design goals, and design of the proposed countermeasures.This article is from a collateral point of view and with the new Basel Capital Accord of the G Bank Shanxi Province Branch credit risk control, focus on linking theory with practice, is in line with the proposed new Basel Capital Accord requirements, Also suits the G Bank Shanxi Province branch actual credit risks guard design system and the countermeasure suggested, the G Bank Shanxi Province Branch and other branches of commercial banks have a certain degree of reference, has strong theoretical and practical.