Research On The Risk Of The Commercial Bank Credit Assets Over Centralized

Science and technology and the information are well developed in the twenty-first Century. The process of economic globalization is accelerating, and the economic relationship of all countries in the world is increasingly close. The financial market is particularly active, and the flow of capital in the world continues to accelerate, and the growing scale, asset price fluctuation is bigger. The world’s financial system is facing a severe test.Credit risk has always been the most important risk faced by the commercial banks and even the financial industry. It is an important object of national financial institutions and regulatory control and prevention. Commercial banks have been playing a very important role in the credit market, playing the role of bridge in the process of corporate finance. The direction and the delivery channels of credit funds of commercial banks will not only affect the healthy development of China’s economy and society, at the same time, the structure of credit assets being reasonable or not will affect the profit of commercial banks and risk. But if the credit assets of commercial banks are excessively concentrated, it is not conducive to diversify risk, and may lead to increasing risk of bank.Data shows that, to a certain extent the tendency of credit assets of commercial banks in China is easy to appear in the process of credit resource allocation. And the concentration of credit assets of commercial bank will have what effects? This paper takes Shunde XX bank as an example, analysis the problems of the bank’s credit assets scale, structure and characteristics. The main problems are:the unbalanced regional distribution; large amounts of loans are distributed to large and medium-sized enterprise; credit structure is irrational; loans are not well distributed in industries. The reasons of the problem are internal causes of the policy orientation of the branch bank; and cost profit behavior and so on, and the national policy orientation, regional economic structure and other external factors. On this basis, this paper puts forward to the countermeasures and suggestions of improving the problem of bad loans of XX bank. It should unify the thinking; determine the target; optimize credit structure; optimize the credit process; strengthen risk control; match evaluation system and so on.