The Bank Risk Management And Prevention Of Consumer Credit

With the development of the economic system day by day, the market openingdegree further enhances, the Domestic enterprise past financing difficult question totransform into the financing channel diversification, outside the bank the enterprise mayobtain the operation fund by many kinds of ways. Next, between Commercial bank’scompetition behavior day by day is also intense, each big bank inevitable ground near inthe situation which drops continually to Enterprise unit’s credit operation aspectcost-benefit ratio. Although our country has expended the credit quota since the1990sto increase sharply, the type day by day is also rich, but the expense credit’s furtherdevelopment still had each kind of restriction factor, most prominent question one lacksthe effective risk management system. Commercial bank’s credit risk, is the Commercialbank in the management process, because the uncertainty enables the borrower to repaythe bank loan principal and interest according to the contract provision, causes the creditproperty expected income to encounter the loss the possibility or the probability. Atpresent, was still at the start stage in our country to the credit risks management’sresearch. This article makes as to Commercial bank’s expense credit’s risk managementpresent situation a research, pointed out that our country Commercial bank expends thequestion which in the credit risk management process exists, and puts forward thecorresponding policy proposal. the this article’s research content mainly involves thefollowing several aspects: first, overall bank risk system’s outline and analysis. Pointedout that the possibility which by the element of certainty the risk is refers to causes theloss which produces, it has contained the loss and the uncertainty two very importantfactors, is precisely because the people are unable to determine where, the what kind ofdegree latent loss, does enable it to constitute one kind of risk. Commercial bank’s creditrisk, is the Commercial bank in the management process, because the uncertaintyenables the borrower to repay the bank loan principal and interest according to thecontract provision, causes the credit property expected income to encounter the loss thepossibility or the probability. second, The major country, the organization as well as Our country bank credit risk comparison, this article main example has lifted the Americanexpense credit system’s a series of construction situation. third, Bank expense creditpresent situation and analysis. This article analyzed our country Commercial bank todevelop the main risk which the expense credit operation faced, and unified the concretecase to this question research deep research. is final, this article proposed the bankexpense credit risk’s measures, to expend the credit risk management importanceincluding the enhancement and the pressing understanding, uses the present informationtechnology, reduces transaction cost and so on.