The Credit Risk Management Of Commercial Banks

With the decline trend of developmentin recent years,the world economy gradually appear differentiation,the global financial market volatility,especially in the past two years,the spread of credit risk from coastal to inland trend more and more obvious,the fund contradiction of some enterprises begin to emerge,such as excessive financing,high-interest financing,too slow or too fast rhythm disorders caused by industrial structure transformation,and so on,a large number of enterprises or close the door to leave,or stop stay single,corporate defaults loan also rose,and intensified streak.Environment as a whole,our country’s economy entered a new normal "L" type,the problem of instability and the weak growth,in constant adjustment and reform,which brought new challenge to the risk management of commercial Banks.Economic transition and industrial restructuring will inevitably produce a large number of non-performing loans,the generation of bad loans will not only seriously affect the Banks’ asset quality and profitability,if not timely control,easy to bring systemic financial risk.Therefore,research on commercial bank credit risk management of the business,has important practical significance.In recent years,X branch of industrial and commercial bank credit business has developed rapidly,but under the new normal of the economic downturn,a large number of non-performing loans,in the face of corporate defaults under the background of the economic downturn,how to prevent and control the credit risk is a big problem at present.In this paper,based on the bank’s risk management related theory,combined with the ICBC X branch credit business practice,risk case,analysis the credit business risk types,find out the causes of the formation of credit risk,and puts forward corresponding proposals,from one side to interpret the problem of risk transmission characteristics and control measures,in order to break the economic downturn cause of quality deterioration of credit assets,in this paper,the construction of credit business of commercial bank risk management system,and accelerate the healthy development of the credit business has an important significance.This thesis is divided into five parts,in the first chapter is the introduction part,combining with the current social background,expounds the research value and significance of this topic.Through literature review,define the research idea and method of this article,form the premise for the research of the body.The second chapter,from the basic concept of business of commercial bank credit risk management of related basic theory to introduce,for later to lay the theoretical foundation.The third chapter introduced in this paper the important sample case-X branch of industrial and commercial bank of China credit business development present situation and existing problems,and explains the typical significance in the study of other similar project in,and accordingly puts forward the research question.In the third chapter,based on the relevant analysis of X branch credit business,around the theme of risk management,sources of credit risk and exposure,risk type three aspects has carried on the detailed discussion,indicating the above research questions.In the fourth chapter,in view of the third chapter analyses the current situation and problems,and puts forward corresponding strategies and measures for credit risk management,discusses the formation of an ecological system of credit risk management,problem solving measures are put forward for the above analysis,and put forward some Suggestions for subsequent research relatively macro.Fifth chapter for the conclusion of this paper,the shortcomings in the course of study and the next step of research is prospected.All in all,this paper the author first hand information,to the business of commercial bank credit risk management has made the analysis and Suggestions.Through summarizing methods of induction,comparison analysis,reflection in the business of commercial bank credit risk management of a series of problems,and tries to suggest solutions,and for future research and practice provides the reference can be drawn lessons from.