A Case Study On The Credit Risk Prevention And Control Of Commercial Banks

With the deepening of reform and opening up,China’s accession to the WTO,China’s financial regulation began to gradually relax,the trend of its marketization is more obvious.The rapid development of Internet technology makes the financial disintermediation,the interest rate market,the financial globalization,the Internet Finance and the non-governmental financial institutions to flourish.The management ability of the commercial banks is becoming more and more important.This is because the financial industry under the guidance of the market has exposed more institutional questions in the full competition.Questions and risks.In order to gain more profits,many commercial banks will ignore risks and increase more credit funds,and provide these industries with excess capacity,which leads to a sharp increase in credit risk of commercial banks.How can commercial banks effectively prevent and control credit risks? This is not only a realistic need,but also a question that needs further study.On the basis of the relevant research results at home and abroad,this paper uses the theory of information asymmetry and risk management theory,and uses the method of combination of normative analysis and case analysis to study the problem of the credit risk prevention and control of commercial banks.The main contents of the research include the following three parts: the first part is the theoretical study.Based on the characteristics of the commercial bank credit business,this paper combs the basic theories related to information asymmetry and risk prevention and control at home and abroad,and the possible credit risk of commercial banks.The second part is a case study.The existing credit business of P bank is systematically studied and analyzed,the risk of P bank in credit business is deeply expounded,and the credit risk prevention and control system of P bank is deeply analyzed according to the theory of enterprise risk management,and the overall credit risk prevention and control effect is appraised.The third part is the countermeasure research,This paper studies the problems existing in the P bank credit risk prevention and control system,finds out the current credit risks faced by commercial banks,and puts forward effective risk prevention and control measures.Through the research on the P bank credit risk prevention and control,it is found that the commercial banks and relevant regulatory departments should stimulate the innovation of bank credit service and develop the general banking finance in order to solve the main problems in the process of credit risk prevention and control of commercial banks in China.In addition,we should establish and improve the credit risk prevention and control system.Based on the conclusions of this study,it is hoped that it can provide some meaningful reference for other private commercial banks to prevent and control credit risks.