Research On Bank Credit Risk Prevention Under The New Economy Normal Background

For a long time,credit risk has always been the main object of the risk control of regulators and financial institutions.China’s current economic development has entered a new historical stage,that is,the "new normal" of China’s economy,mainly for economic slowdown,deep adjustment of economic structure and economic development momentum.With the "13th Five-Year Plan" to promote,"steady growth,structural adjustment,and promote reform" has become China’s new economic development under the main strategic plan to speed up industrial upgrading,overcapacity will become the main tone of future industrial distribution.Banks,as the main component of financial market in our country,have new risks,such as complication and generalization,which increase the pressure of risk prevention and control.To this end,the bank to maintain sound operation,maintain a good quality of credit assets,to ensure the stability of China’s financial markets and economic sustainable development have far-reaching impact.Due to the slowdown of China’s economic growth,the change of government’s macro-policy,the adjustment of industrial structure and the non-governmental borrowing,China’s banking business is facing a new situation of slowing asset growth,decreasing net profit and increasing operating costs.China’s banks own a single capital operation channels,high concentration of assets and non-performing loan rate higher than the international level.Under the new normal condition,the bank credit risk is enlarged through the mechanism of "financial accelerator" and "inventory accelerator",forming a "domino effect",which is reflected in the non-performing loan balance and non-performing loan ratio of China’s banking industry.The coverage rate of the equipment is decreasing,and the supervision red line is approaching.Facing the new situation,China’s banks must change the existing mindset,change the business strategy and credit risk coping strategies,and then prevent credit risk.Based on the background of China’s economy entering the new normal,this paper first introduces the research background,the research ideas and methods,the domestic and foreign research status,etc.,through the background of the new economic norm,summarizes the new characteristics of China’s bank credit risk,And makes a logical analysis of the causes and conduction mechanism of the new normal impact bank creditrisk.Secondly,from the general theory and connotation of bank credit risk,this paper summarizes the general process and general strategy of traditional credit risk prevention and control.At the same time,it analyzes the effect of new normal on credit risk of bank,and points out the limitation of traditional prevention strategy.Thirdly,through the actual circumstance and related data of A bank in Jiangxi Province,this paper analyzes the mechanism of A bank’s credit risk prevention and control.Combining the two new cases of A bank risk prevention and control,it proves that the credit risk management mechanism The effective operation of the bank,summed up the bank in the credit risk prevention and control of effective practices and experience,as well as the inadequacies of.Finally,based on the real macroeconomic situation and the existing risk prevention and control system of the bank,the paper puts forward a new strategy of credit risk prevention from five aspects: changing the operation mode,adjusting and optimizing the credit structure,perfecting the credit system,strengthening the personnel system construction and enhancing the internal control.