The Research And Discussion Of X Commercial Bank Credit Risk Management

Commercial Banks is an important part of the financial system,Commercial Banks will face a lot of risks in the process of the business,Mainly include credit risk, operational risk, market risk, legal risk, etc. Credit risk is the fundamental risk that banks are facing, and currently is also China’s commercial banks’ major risk.With the advancement of internationalization,Under the background of global quantitative easing,the global commercial bank credit risk overall rise, at the same time, the regional difference is more obvious. A large number of non-performing assets of banks and the competition with foreign banks make that raising the credit risk management level of China’s banking industry has become an important issue.Emerging international assessment agency dagong, points out that our country banking industry faced with larger pressure of controlling credit risk, The probability of systemic credit crisis is extremely low.Although our country banking industry faces macroeconomic growth and the dual pressure of economic structure transformation,As well as the rapid growth of scale of the "shadow banking" and so on.But the short or medium term appears the probability of systemic risk in China’s banking industry is extremely low.First, basic robust control of operation of macro economy,The banking regulatory indicators are more outstanding.Second, the banking regulatory policy is strictly conservative, standards are far higher than common international standards. Finally, China’s banking sector has a special financial conditions as the cornerstone of business support.This article will deal with the subject of commercial bank credit risk,Through the analysis of X the status quo of commercial Banks further elaborated the cause of credit risk, present situation and problems of credit risk management in our country, explore the defects of China’s banking credit risk management.