Analysis Of The Implementation Effect Of New Loan Regulations In The Credit Risk Management

From the Southeast Asian financial crisis broke out in1997to2001Argentina outbreak of banking crisis, and then to2009the United States of America in the new century financial filed for bankruptcy, the world of the subprime mortgage crisis began, and quickly spread in the world, and ultimately become a systemic financial crisis. In every financial crisis, the outbreak and banking risk management problem has close relationship, the bank credit risk management and to be pushed to a new historical height. Hot issues of common concern how to prevent bank credit risk has become all the countries in the world including China financial theory, financial regulators and financial practitioners. This paper attempts to through the perspective of credit risk management status of BC commercial bank, analysis of the implementation of new regulations on loan credit risk management of commercial banks to actively promote and existing problems, and puts forward the solution, to reduce the proportion of risk assets to make some efforts to promote the credit risk management, the Commercial Bank of our country.This paper first describes the credit risk related theory, introduces the connotation and characteristics of commercial bank credit management of the whole process. Second loan before and after the implementation of new credit risk management process of BC commercial bank are introduced, the comparative advantage of new regulations before the limitations and the new rules are described. The third part by the analysis of evaluation index system of some evaluation of the implementation of the new regulation effect of loans, and adopts case analyses. Finally, there are still problems in implementation, and puts forward some countermeasures and suggestions to enhance the level of credit risk management of BC commercial bank.In the research method, the author according to the working practice, using the methods of case analysis and comparative analysis, compares the different situations before and after the implementation of the new loan regulations, make evaluation on the implementation of the new regulation effect of loan. The innovation of this paper is on the actual case of BC commercial bank credit management before and after implementation of new loan regulations as the background, using the method of case and comparative analysis, established the implementation of new regulations on loan performance evaluation system, analyzes the different measures of commercial bank credit risk management in the implementation and results achieved, puts forward the existing credit risk the current management problems and corresponding solutions. Two is the credit risk control measures, combined with the author’s practical work, proposed in the mechanism at the same time, to clarify the responsibilities, strengthen the inspection, to promote small risk in construction, relying on the business risk in Taiwan built into the business process risk management mechanism, risk antennae gradually extended to the specific business operation, the business front advance to anticipate and prevent most of the risk, to reverse the traditional risk management lag, the passive situation.