Hebei Province, Some Commercial Banks Of Credit Risks In Key Industries

Enhancing risk identification and management is the key to survival. Commercial bank money's high debt and high-externality characteristics, as a special expertise, , making it not only to pursue profit must also be concerned about their safety and liquidity. In the current external environment, commercial banks credit risk management is, as developing countries, no longer a risk aversion and hedging operations, increasing the value of the game division, but a skill. Although the implementation of China's financial market as relatively open and exchange controls and other measures to form a the organization of commercial banks as an open system, it is from the environment to obtain resources and transform them into products or services, exports to the environment at the same time by the reaction of the environment, so the future effectiveness of the domestic commercial banks and the possible losses to a certain extent still depends on the commercial bank's credit risk management capabilities.Through case studies, explore the reasons of commercial banks credit risk, find the system control strategy. Up to now, Hebei Province, iron and steel, cement, flat glass industry have overcapacity problems, especially in flat glass industry, backward production capacity has not yet been fundamentally resolved. To review credit risk , the steel, cement, flat glass industry currently in Hebei, the bad loans rate is not high, but the problem of the excess capacity and backward production capacity still is the primate factors affecting the safety of the banking credit risk .There are some outstanding issues in risk management of the banking sector. These issues will be potential and long-term threat for the sustainable economic development in Hebei Province and banking credit funds safety , being caused by sustained attention. This paper analysis revealed the reasons for the formation of credit risk from the commercial banks and external environment, then find concrete measures for commercial bank credit risk by the processes of commercial bank credit business.This paper argues that commercial banks must operate to survive changes in the environment, continuously to adjust and optimize the business management structure, to strengthen the risk management, to take a variety of scientific and effective means and methods, to predict ,identify, control and manage various types of risk especially credit risk, to establish the appropriate credit risk management mechanism to prevent and reduce credit risk, to achieve bank risk management chanisms real rationalization, standardization and institutionalization.