Research On The Credit Risk Of Commercial Banks From The Perspective Of Supply-side Reform

The period after the financial crisis,world economic growth only BRIC countries especially Chinese economic development China economy to become an independent school,sustainable development,transformation of economic growth mode must be to achieve the development of a planned economy China socialist market economy,must realize the supply side reforms,the government should regulate the development of the whole economy,must be in the budget the capital expenditure to increase investment,but obviously only rely on the government's capital expenditure cannot achieve this goal,must obtain social capital especially commercial bank credit funds support,so as to solve the supply side reform look forward to the development of the project funding gap.Under this economic situation,the structural reform stage of the supply side is a challenging stage for commercial banks.The deposit and loan margin is always the most important source of profit for commercial banks.Therefore,no matter at any stage or period,the credit risk is a part of the commercial bank which should be considered.This paper is to study the structural change of the supply side.The purpose of this paper is to study the credit risk of commercial banks from the perspective of supply-side structural reform.First of all,from the five basic tasks of the supply side reform,namely,the capacity,the inventory,the deleveraging,the cost reduction and the supplement board,the demand of the capital of the commercial banks in these five aspects is discussed,and the effects of these five aspects on the commercial bank credit risk are analyzed,and then the supply will be supplied according to these contents.The basic tasks of the side structural reform are divided into two categories: one is for the three tasks of high debt,large state-owned enterprises and listed companies-to go to stock,to produce capacity,to deleverage,and the other two tasks for public infrastructure,emerging industry and real economy-to make up the short board and reduce the cost;therefore,it is summed up under the background of the supply side reform.The two main sources of credit risk in commercial banks,one is excessive debt in the industry,and the two is the uncertainty of the industry prospects.Finally,through the method of case analysis,the corresponding countermeasures are put forward respectively on the two aspects of credit risk.Industrial bank debt to equity swap,Hankou bank case analysis concluded that the new industry can be implemented in the loan linkage,reduce commercial bank credit risk.