Credit Risks And The Corresponding Preventive Measures Of Commercial Bank

Nowdays,the rapid development of internet technology and the fierce market competition brought new opportunities for commercial banks,in the meantime,the complex domestic and international economic environment,the uncertain central bank’s monetary policy,and future economic situation and policy guidance also exist a lot of uncertainties,makes the development of commercial banks face a lot of pressure.Commercial bank as a high-risk industry of whose management risk is rising,financial cases presents a high incidence trend,the external fraud and internal employee moral risk will overlap,pose a great threat to financial order.In the financial system of our country,the banking sector is the dominant industry.To the commercial bank,credit business is one of the major business whose income is a important source of the bank’s income.But while the credit business brought income,it brought credit risks.Credit risks have become uncontrollable in commercial bank’s management.Therefore,how to identify the credit risks,and carries on analysis and evaluation,and then take appropriate measures to ensure those are in a state of inertia is critical.This paper first summarizes the domestic and foreign scholars on the study of the theories of the commercial bank credit risks,and then according to the concrete cases,studied the factors and characteristics of credit risks,and the prevention and treatment measures.This paper follow the logic of "raiseing questions,analyzing questions and solving questions," try to discover the potential risk of commercial bank credit business,put forward feasible preventing scheme,provide certain reference for commercial banks in preventing and controlling credit risks.