Research On Credit Risk Supervision Of Commercial Banks In City A

Financial stability and economic stability.Commercial banks,as the cornerstone of China’s financial industry,play a crucial role.In recent years,with the prosperity of China’s financial industry,the competition between commercial banks has become increasingly fierce.Credit business,also known as credit assets,is the most important asset business of commercial banks.The quality of credit assets is the key to the healthy survival and development of banks.Once the credit risk of commercial banks intensifies,it can easily spread to the entire banking system,affecting the stability of the financial industry.For example,from the "Baoshang Bank Incident" in 2019,to the "Bank of China Crude Oil Treasure" in 2020,and to the "Thunderstorm" incidents of multiple rural banks in Henan in 2022,these events are only the tip of the iceberg of China’s financial market chaos.Therefore,how regulatory authorities can further strengthen the supervision of credit risks in commercial banks is an important issue at present.Urban commercial banks(hereinafter referred to as urban commercial banks)have played an important role in serving the local economy,promoting the development of small and medium-sized enterprises,and supporting rural revitalization.They are an important force in China’s financial system.In recent years,the credit business of urban commercial banks has increased rapidly,and the forms of risks they face have become increasingly complex.This article studies the credit risks of urban commercial banks from a regulatory perspective,and identifies the problems and causes of urban commercial bank credit during the regulatory process.Based on this,countermeasures are proposed to solve the problems,thereby promoting the smooth operation of urban commercial banks in the new situation.This article takes the credit risk of urban commercial banks in City A as the research object.Firstly,by studying the current situation and background of credit risk supervision faced by urban commercial banks,an important conclusion is drawn that it is necessary to strengthen the supervision of credit risk of urban commercial banks.At the same time,the research achievements of domestic and foreign scholars in the field of bank credit risk supervision were carefully and systematically reviewed,and the research significance of this article was obtained;Secondly,a detailed introduction and interpretation of some cases and related concepts of credit risk events were conducted,and some theories required by regulatory authorities for the research object city commercial banks were systematically sorted out,resulting in the main theories involved in this article.Based on the introduction of credit risk event cases,important conclusions are drawn that the development of the financial industry urgently requires regulation;Once again,taking JL Bank as an example,this article elaborates on the credit risk supervision of A City Commercial Bank from five aspects: regulatory policies,regulatory content,basic situation of JL Bank’s credit risk supervision,regulatory methods,and case analysis of JL Bank’s credit risk inspection,providing factual basis for the remaining issues.Then,from the perspective of regulatory authorities,it elaborated on some issues that exist in the operation process of A city commercial banks;Finally,in response to the problems and causes of the supervision of urban commercial banks,the author,based on his years of experience in financial supervision,proposes measures to improve the credit risk supervision of urban commercial banks in City A.This also provides certain reference significance for the smooth and orderly operation of urban commercial banks and the promotion of high-quality economic development.