Research On Credit Risk Management Of Small And Medium-Sized Banks Under The New Normal State

Commercial banks,as the core of the modern financial system,are the hub of economic and economic operation.For commercial banks,credit risk management is the most difficult area of risk management,the effective management of credit risk will directly affect the sound operation of commercial banks,thus affecting the stability of the financial system.At present,with the liberalization of the supply side reform curtain,China’s commercial external business environment has undergone great changes.The new economic normal situation brings opportunities and challenges to the credit risk management of commercial banks.At present,the rapid development of Internet finance,the rapid progress of interest rate market,bank credit risk management influencing factors are more complex.In particular,China’s small and medium-sized banks,asset size determines its risk tolerance is relatively weak,coupled with a few years ago the unreasonable expansion of credit business,leading to the current quality of credit assets in China’s small banks is not optimistic.It is very important to solve the problems existing in the credit risk management of small and medium-sized banks,improve the credit risk management level of small and medium-sized banks and promote financial stability.On the basis of studying the theory of credit risk management of commercial banks,the theory of new economic norm and the domestic and foreign literature,this paper first combs the current situation of credit risk management of small and medium-sized banks in China from the aspects of process design,organizational structure and management methods,From the current situation,it is found that there are four problems in the credit risk management of small and medium-sized banks under the new economic situation: the credit assets are too concentrated,the internal control is not enough,the risk management organization is unreasonable and the risk management method is backward.Secondly,it analyzes the opportunities and challenges of credit risk management of small and medium-sized banks under the new economic situation.Finally,combining with the external environment of the new normal state,the corresponding countermeasures and suggestions are put forward,so that the small and medium-sized banks in our country can realize the stable operation and help the reform of the supply side and the economic transformation and development.