Research About Commercial Banks' Controlling The Credit Risk Of Listed Companies

In these two years, a great deal of default such as overdue loans, inability to repay and so on has produced great risk, and even a huge loss. It has been proved that the credit risk in China's listed companies is fairly serious and shows the trend of expansion. Therfore, it is urgently necessary for the commercial banks to attach greater impotance to and make further efforts on developing the theoretical research and management methods of customers'credit risk.In recent years, China's listed companies'default such as overdue loans, inability to repay and so on has produced great risk for the commercial banks ,and even a huge loss. Therfore, it is urgently necessary for the banks to attach greater impotance to and make further efforts on developing the theoretical research and management methods of customers'credit risk.This thesis, from the angle of the commercial banks, regards the credit risk of listed companies and the stock risk which affects the credit risk as the object of study. Then , this paper, through the deep analysis of statistical data of listed companies, has summed up that the credit risk in China's listed companies has four characteristics of large-scale lending, many low-quality companies, high operating debt as well as frequent related party transactions and complicated related party relationship.Meanwhile, from the perspective of analysis of asset auality it introduces the universal approches with which the commercial banks control the credit risk and then inspects the current situation of the credit risk in China's listed companies. Moreover, through the analysis of specific case of credit risk of listed companies, it has been known that the listed companies play a role of obtaning loans directly from the bank or providing guarantees for the non-lending in the loss of bank loans. Fanally, The statistical data on financing, performance and related party transactions of the listed companies shows that there is a fairly great credit risk and a trend of expansion at this stage.The banks should build the framework and work out the specific measures to control the credit risk according to the risk's characteristics and influencing factors. The listed companies'reseach on credit risk preventive measures should also focus on its characteristics and management shortcomings, including the integration of the organization, technique and management, so as to build the organizational control system , technology control system and process control system of the customers'credit risk in the listed companies. The organizational control system stresses the need to set up a specialized department for the management of the customer credit risk in the listed companies. The technology control system forms the material and data level and the decision-making level to achieve the role of risk rating and risk early-warning. The process control system combines adequately the technical system with the three links of the pre-loan, the loan and the post-loan in order to control the credit in their bearable scope.In conclusion, the specific measures put forward to control the credit risk are as follows: strengthening the internal construction of the commercial banks through the conversion of the awreness of the credit risk, the enhancement of professional team-building and the improvement of the banks'system of operating the risk; besides, improving the management techniques of the credit risk to achieve the best effect of risk control and realize the dynamic balance under the premise of the risk conrol from the foundation of the unified database of the banking industry and the improved early-warning techniques of credit risk assessment in the listed companies; moreover, grasping firmly every credit risk point of the listed companies and improving the management tool correspondingly.