Case Study On Credit Risk Prevention And Control Of Commercial Banks

At present,domestic commercial banks are accelerating the reform work.The environment in which banking institutions are located,the social conditions and economic conditions they have faced have changed drastically.At the same time,the corresponding customer groups have undergone major changes with the overall economic development.Because of the emergence of new credit risks,the long-term application of the risk prevention and control system of some commercial banks has been quite backward,resulting in an upward trend in credit risk.At the same time,the macroeconomic environment at home and abroad is very complicated.The credit risk prevention and control situation of commercial banks is also severe.The work related to prevention and control risks still needs attention.Therefore,it is quite important to conduct research on the methods of credit risk prevention and control.Based on the review of relevant research results at home and abroad,this paper applies the theory and principle of risk control,and uses several research methods such as normative analysis,institutional analysis and case analysis to draw on international experience and combine the institutional research and market background of commercial banks in China.A comprehensive and in-depth study on the prevention and control of credit risk in commercial banks.The research content includes three parts: the first part is the theoretical analysis,which is the theoretical exposition of the credit risk prevention and control of M commercial bank;the second part is the case study,that is,the credit risk of M commercial bank on the basis of theoretical analysis.The case study was carried out for prevention and control;the third part is the countermeasure research,which is based on theoretical analysis and case analysis,and puts forward relevant countermeasures and suggestions for the prevention and control of credit risk of M commercial banks.Through the research,the paper draws the following conclusions: First,the credit structure of commercial banks has not been perfected,and its credit risk prevention work and organization system must be improved and improved.Second,the existing credit risk early warning mechanism and system are backward and need to be obtained.Optimization;Third,the institutional credit policy is slow to update,it is necessary to increase macroeconomic policy and industry research,and timely adjust credit policies.