A Study On The Evaluation Of Small And Medium-Sized Commercial Banks In China

In the current world economic uncertainty remains the same,the road to recovery is hard,the domestic economic structure is in the transition period,the economic growth slows down under the background,the commercial banks are in transition,risk control,strict management,and risk management has always been Is the bank business among the first place.The domestic regulatory authorities have also put forward the requirements of the new Basel Accord for various commercial banks.At present,there are a number of large and medium-sized commercial banks in China have implemented the internal rating law in the credit risk management system,but there are still some small and medium-sized commercial banks Credits are also used to measure credit risk assets.Z Bank as part of this small and medium-sized commercial banks,has been aware of the importance of strengthening the risk management capabilities,credit risk measurement system has been in the weight of the law from the law of the transition stage,this stage will inevitably appear weight and internal evaluation Law parallelism.This paper analyzes the problems and suggestions of the credit risk management in China’s commercial banks through the empirical analysis of Z Bank,and analyzes the necessity and necessity of the transition of credit risk management inward evaluation of domestic commercial banks.And then studies the current framework and the development trend of the risk management under the Basel II Basel Agreement and the current situation and development trend of the domestic commercial bank risk management.Then,on the basis of summarizing the international advanced experience,the SWOT method is used to analyze the internal evaluation method in the domestic commercial banks On the basis of the above theory,this paper focuses on the Z bank credit risk management inward assessment of the transition period of practical experience to Z bank empirical data leads to domestic commercial banks inward assessment of the proposed changes to these The transformation of the credit risk management system of small and medium-sized commercial banks,and the continuous improvement of regulatory policies after the supervisory authorities have some reference significance.