The Influence Of Closing Down Backward Production Facilities On Commercial Bank Credit Risk In China

In recent years, China's extensive economic development and social fixed asset investment more than double-digit growth, spawned a large number of high energy consumption, more pollution, low-tech and security poor and backward production capacity, severely restricted China's economy forward, it is important to eliminate backward production capacity is an urgent task. Development of backward production capacity of the industry affected by the national industrial policy and economic fluctuations is relatively large, and thus the corresponding profits are squeezed, making these industries repayment ability and willingness to repay a serious impact on credit risks. At the same time the bank itself there are also behind credit risk management, the bank staff improper operation and other factors, to varying degrees, affect industries with excess capacity credit risk.From the perspective of the elimination of backward production capacity of present and possible future research on China's major commercial banks credit risk impact. First introduced overcapacity and theoretical knowledge related to credit risk, backward production capacity and other criteria. Secondly, the elimination of backward production capacity of bank credit risk practice analysis, the main analysis of the credit policy adjustment Industrial Bank, CITIC Bank, Minsheng Bank, the judgment of backward production capacity of commercial bank credit risk. Reintroduce Bank support industrial transformation and upgrading, eliminate backward production capacity during the relevant banks to prevent credit risks of difficulties, including poor communication mechanisms of information, professional and industry indicators, industrial policy and credit principles. Finally, policy recommendations to prevent credit risks. After the paper systematically analyzes the development of domestic and foreign scholars credit risk research and our country contains backward production capacity of the industry to our country to eliminate backward production capacity of bank credit risk analysis, commercial banks early accumulation of a large number of industries with excess capacity credit assets, has formed a large number of potential risk of bad assets, the study of backward production can impact on the credit risk of commercial banks and to propose measures has important practical significance.