Risk Management Of Commercial Bank Credit To The Public

Commercial banks are the subject of modern financial system. In thesocio-economic activities, the vast majority of commercial banks to achieve turnoverflow through the whole social capital financing and settlement facilities, and playvalue creation capabilities.Because commercial banks an important role in society as awhole financial system, its stability will be a direct result of the stability anddevelopment think the entire financial system. Commercial bank credit tobusiness-oriented indirect financing in the form of long-dominant position in thesocial structure of the community financing model, determine the credit risk ofcommercial banks become the main risk of the financial system.Since2013, the Chinese government issued a series of important signal that thefinancial risk to the economy appeared worried, systemic financial risks facing ourcountry has increased. Commercial bank credit risk as systemic financial risks is animportant component, research and improve commercial bank credit risk, from amacro perspective, can to some extent, our resolve systemic financial risk, lower dueto bankruptcy or a single or a few huge financial institutions the risk of loss of theentire financial system led to the collapse of the real economy and reduce thepossibility of serious adverse effects; from individual commercial banks in terms ofcommercial banks can fully grasp the risk characteristics and performance from theroot and essence, to further explore and improve Commercial banks’ risk management,effectively improve the quality of bank assets, to promote the coordinateddevelopment of credit business scale, efficiency and quality play a positive role.Select this article Yunnan Electric Power Industry Project, a commercial bankloans as the research object, trying to analyze current situation and the plight ofYunnan Electric Power enterprise development, combined with the currentcommercial bank credit risk management from a business perspective and theperspective of two-way analysis of bank credit risk of commercial banks, put forward to resolve, reducing the power industry, a commercial bank credit risk banks Yunnanstrategy to actual text column with the current advanced commercial bank credit riskmanagement theory and abroad to discuss defects of commercial bank credit riskmanagement systems and improvement initiatives to further improve our business ofmanagement capacity and risk resistance ability of banks to better meet the challengesof the market.