A Research On Recessive Credit Risk Management Under Economic Downturn

Since the outbreak of the economic crisis,the global economic situation has become more complex,the main economic recovery difficult,the international financial market turmoil intensified,China's economy will inevitably be affected.Under the economic downturn of macro environment,speeding up financial reform,commercial banks many unavoidable challenges as rising non-performing loan rate,asset liquidity have became more slowly,the deficiency of effective credit demand,credit risk concentration,slow profit growth and so on.In the face of increasingly diverse and volatile financial markets,the importance of the core competence of the bank's risk management capabilities is more prominent,will directly determine the survival and development of banks.Therefore,the effective recessive credit risk cracking is necessary for banks to survive.This paper describe the economy background of downtown pressure from the trend of data CPI,PPI,Keqiang Iindex,and Bohai-Rim Steam-Coal Price Index,and summarize the current status of the risk management of commercial banks,point out the existing problems as all flow path of loan management is not in place,the lack of implementation of guarantee of tracking and analysis of trend is weak and so on.In this regard,this article expounds the risk management model which is summarized by the case analysis and theory based on the practice.The model of emphasizingtechnologieswas named "San Ye" credit risk management model.The model emphasizes the full grasp of the whole process of credit,and described in detail the process of credit risk and responses from three dimensions of the industry,the same industry,and the work.The model is a practical financial technology with good effect through the advantages of the system of point,surface and net,to realize the changing situations.