Research On Debt Risk Management Of Commercial Banks

At present,domestic economy still face very serious difficulties,various degrees of corporate debt maturity can not be paid.Industry concentration risk is still not optimistic in some region of our country,if failure to respond effectively,it is easy to form regional risks.Some companies are suspected of fraud when filing for bankruptcy,so that same banks can not be able to get compensation,thus forming regional risk.At the same time,some banks dispose of the stock debt improperly,on the one hand,the burden on quality enterprises,on the other hand,it is a burden to high quality enterprises,easy to trigger a new financial risk.As the regulatory body of the financial institution,the CBRC attaches great importance to the existing contradictions in this regard.At the beginning of 2016,the CBRC proposed in the National Working Conference on banking supervision,the implementation of the creditors' committee system comprehensively,and made a special deployment,the creditor bank as a turning point,through the creditors' committee system to resolve the financial debt risk and disposal,and achieved good results.This paper describes the mechanism of the creditors' committee in the past year in the disposal and use of financial means and measures to resolve the debt risk,through the empirical analysis of the creditors' committee system construction and practice,analyzes the three main types of debt restructuring,bankruptcy and transitional mode,and the use of SWOT analysis analyzes the creditors' committee system in dealing with the financial risk and resolve the internal strengths and weaknesses and external opportunities and challenges,.SWOT quantitative analysis method was adopted.Weighting the key factors of the three models of the risk management of the debt Commission,and invited the five major provincial line experts specializing in the business scoring,then the weighted fraction is obtained.the weighted fraction of four dimensions is marked in the Cartesian coordinate system,Constructing strategic quadrangle,and then the coordinates of key points are obtained.By using the coordinates of the key points,a scientific strategy is put forward to get rid of threats and develop advantages,and then put forward the next step of debt management suggestions.In a word,practical work proves that SWOT method can be used in debt risk management.It provides the theoretical basis and practical basis for the continuous development of the debt Commission,and has certain application and promotion value.However,these strategies also have some limitations,and need to be gradually overcome in the follow-up practic.First,the interests of each creditor's claim is different,the coordination is difficult,and the effect of the resolution of the debt Commission is discounted.Two,it is difficult to restrain non bank financial institutions,other creditors damage the interests of creditors through prosecution,sealing up and other measures.Or direct financing,leasing,factoring and other claims often require rigid payment,damage to other creditors...