Research On The Influence Of Economic Cycle To Credit Risk Of Chinese Commercial Bank

Healthy development of the macroeconomic is the basis for commercial banks, commercial banks play an important supporting role as credit intermediaries to the macroeconomic development, in the increasingly complex international environment, uncertainties exist in macroeconomic increased the difficulty of commercial banks operations. In order to improve the ability of China's commercial banks to deal with macroeconomic volatility, and guide the commercial banks to develop healthly, make commercial banks operate sustainable across the economic cycle, based on relevant economic and financial theory,including economic cycle theory and loan theory,research on credit risk of china's commercial banks from borrowers,banks and economic policy with methods of Qualitative analysis and case analysis,then learn experience from the U.S and Japan with comparative method, put forward macro-economicon recommendations Innovative from the standpoint of improving the health of the macro,and with micro-risk prevention recommendations to loans management entities—banks.