The Credit Risk Management Of Commercial Banks Under The New Normal Of Chinese Economy

For the past few years,the essence of the historic changes have taken place in China's economic fundamentals,economic growth is a smooth transition from high speed to moderate speed.China's economic development has entered a new historical period.We call it the “new normal” of the economy.In the Chinese economy into the “new normal” environment,the economy of the whole society presents some new characteristics such as the slower economic growth,economic structure transformation and the economic policy reform.The development of commercial banks has become a very important part of the economic development of all countries,which has a special position in the economy and financial system.Credit operations is one of the most important business of commercial banks.In the era of credit economy,the management and controlling the credit risks of commercial banks is obviously very important.Credit risk management is much closed to the success of commercial banks,even to the whole field of finance.Under the “new normal” economy,the credit operations of commercial banks will face new problems,and a series of potential risks rise to the surface.The commercial banks must improve its credit risk management ability in order to control the credit risk.From the perspective of finance,the thesis takes the credit risk management of commercial banks under the new normal of Chinese economy as topic.Based on explaining the topic selection background and research significance,international and domestic research status,research thoughts and structure,thesis' s innovative points and so on.Next the article mainly defines the concept of “new normal” and the theory of bank credit risk management.Then it analyzes the characteristics of credit risk of commercial banks and the current situation of credit risk.It also analyzes the influence of the “new normal” economy on the credit risk management of commercial banks.Meanwhile,the thesis analyses the facts which have an influence on credit risk management of commercial banks under the new normal.In the last part,the article puts suggestions on the credit risk management of commercial banks under the “new normal” economic situation,hoping that commercial banks can improve their own ability to deal with risks and ensure the stability and continuity of China's banking industry.