Research On The Characteristics And Control Measures Of Commercial Banks’ Enterprises Credit Risk In Wenzhou Area

In China, the credit business is the main source of profits of commercial banks, but also the success of the main risks faced by commercial banks credit risk, and credit risk management is not only related to the commercial banks’ profitability target could be achieved, but also plays a vital development for its survival effect. Especially in recent years, with the rapid development of credit business banking business, corporate credit risk is continually growing enterprise credit risk management has increasingly become the focus of attention of the bank.Firstly, through the historical literature review, the concept of bank credit risk, structural risk causes bank credit theory and control theory to analyze and summarize. Followed by commercial banks in Wenzhou enterprise credit risk for the study of the subject, to the credit of commercial banks in Wenzhou corporate status quo as a starting point, analyzes the Wenzhou Commercial Bank corporate credit risk has consequential, metastatic, hidden, industry and policy five major features, then discusses the causes of these credit risks-from the external environment, business and commercial banking and other factors form.Wenzhou Commercial Bank for corporate credit risk characteristics and causes, this paper presents the corresponding risk control measures. Wenzhou Commercial banks must first joint characteristics according to corporate credit risk, expedite the processing of mutual guarantee risk, the focus on the risk of the chain to resolve; Second, we must strengthen credit risk management process, to effectively monitor corporate credit inflows arising from abnormal areas of credit risk transfer; then Wenzhou SME credit-based commercial bank based on corporate credit, long used for short-term loans, private loans outstanding corporate credit risk has led to the hidden characteristics of the phenomenon, focusing on innovative credit model to strengthen the supply of bank credit products, thus effectively mitigate risks; should establish a modern commercial bank risk management philosophy, the implementation of credit risk limit management, effectively resolve corporate sector credit risk characteristics; Finally, to strengthen the ranks of bank credit management, control bulls, excessive credit, in order to effectively reduce the risk of loan probability of occurrence, mitigate corporate credit risk policy features.Strengthen corporate credit risk control is a systematic project, in the current outbreak of non-performing loans in Wenzhou banking, credit risk prominent case, I hope to give local banks to strengthen credit risk management provide a reference for.