Study On The System Optimization And Suggestion Of Credit Risk Centralized Supervision

The phenomenon of credit centralization in China's banking industry has always existed.In particular,after the loose monetary policy of 2009,the phenomenon of credit concentration is particularly prominent,if not regulated,this will have serious impact on the future normal operation of commercial banks.Not just commercial banks,the credit crunch will also exacerbate imbalances between regional economic development.At the same time,the development of small micro-enterprises will be greatly limited.The risk of credit centralization is the weak link of our banking risk supervision,through the establishment of effective credit centralized risk supervision system,not only can realize the bank stable and efficient operation development,but also can realize the reasonable allocation of credit resources,alleviate the gap between rich and poor in China.But the limitation of traditional theory to solve the problem of supervision of credit centralized risk is becoming more and more obvious.The universality and full validity of modern scientific theory can optimize the existing credit centralized risk management institutions to exert their power fully.At the same time,it provides a new perspective for the research of risk supervision such as credit centralization.Based on the theory of the branch of system science,this paper argues that the credit centralized risk supervision system is characterized by openness,stability,complexity and self-organization.Through the analysis of the value chain of the relationship between the bank and Enterprise,the opportunity of collaborative supervision is explored.And under the premise of minimal supervision cost,the coordinated supervisory framework of integrated supervisory layer,industry supervisory layer and enterprise supervisory level is optimized.Guided by the principles of early warning,global,scientific and openness,optimizing collaborative supervisory decision-making mechanism and building collaborative supervisory information platform;According to supervisory interaction and synergy principle,to optimize the collaborative organization,System construction and system execution of the risk of centralized credit supervision,from the perspective of the students and the system perfection,to prevent and dissolve the structural credit centralized risk into the macroscopic financial regulation system,in the financial supervision,monetary policy and the entity economy coordinated development of endogenous framework,The policy orientation and concrete measures are two aspects,centering on "perfecting the financial supervision framework and coordinating mechanism",preventing and resolving the risk of structured credit centralization,and proposing a combination of practical tools and tactics.