Research On The Risk Management Of Commercial Banks Under The New Normal Of Chinese Economy

In the nineteen major working meetings,China's government departments have made a clear exposition of the importance of the development of urban commercial banks,and think that the urban commercial banks are an important part of the financial institutions of our country.It has played an important role in promoting the development of local SMEs and social economy,and improving the living standard of local residents.In recent years,the number and scale of China's urban commercial banks have also expanded,and the scale of assets of urban commercial banks is also showing a large trend.With the development of the society,China has gradually entered the trend of credit economy.The operation and development of credit economy has a great impact on the social and financial structure,and the credit risk events of commercial banks also occur frequently.At present,China's social and economic development has slowly entered the new normal economic environment.With the change of the environment of social and economic development,the pressure of competition between enterprises is increasing and the phenomenon of default is increasing.The credit business of small and medium-sized enterprises is one of the main business of urban commercial banks,which seriously affects the healthy and stable development of urban commercial banks.Therefore,the management of the credit risk of commercial banks in cities and cities is managed.It has become the key to solve these problems.If this problem can not be solved scientifically and reasonably,it will not only pose a great threat to the development of urban commercial banks,but also have a great impact on the social and economic structure of our country.Based on the above background,the author believes that the credit risk of urban commercial banks has seriously threatened the development of social economy,and it is imminent to solve the problem of credit risk of urban commercial banks.So in this context,this paper chooses to study the credit risk of urban commercial banks.The content of this paper mainly includes four parts: First,define the connotation of rural commercial bank credit risk,summarize the types and main characteristics of rural commercial bank credit risk.Second,summarizes the rural commercial bank credit risk present situation and the formation mechanism.Overall,the credit risk of rural commercial banks in China is relatively large(NPL ratio is 2.64%,higher than that of other banks).Is the mechanism of rural commercial bank credit risk formation: human factors lead to the formation of a rural commercial bank credit risk management system;credit risk factors lead to the formation of a rural commercial bank;factors of policy and bank credit risk mechanism leads to the formation of the rural commercial bank.Third,taking Luoyang city as an example,the paper analyzes the credit risk situation of rural commercial banks.Using Credit Metrisk model and combining with the specific data of Luoyang City,this paper calculates the credit risk of rural commercial banks.Fourth,put forward the countermeasures and suggestions for credit risk prevention and control of rural commercial banks.We should pay attention to the reasonable allocation of credit resources,strengthen the quality control of credit assets,standardize the admittance of employees and institutions,and improve the relevant laws and regulations on credit risk.