Based On The Capital Allocation Of Hengfeng Bank Guard Against Credit Risk Management Research

With the development of world economic integration, the banking industry is facing greater pressure of market competition, the trend of financial integration, China’s commercial banks more directly into the ranks of global competition in the banking sector, therefore, China’s commercial banks in order to gain advantage in the competition have started towards the road of reform, absorbing international banking capital first "concept of capital management and capital management into the bank credit risk management, credit risk management in the allocation of capital to become a bank going global, after all, the road. However, China’s banks in the process of reform, although has made many achievements, the NPL ratio dropped significantly, the rapid expansion of the loan base, as well as loans and long-term trend to some extent, masked the commercial banks’credit risk, while the existence of credit risk, the largest and most important risks faced by commercial banks to establish and improve capital management system suited to China’s national conditions, credit risk management is essential for the development of banks in the allocation of capital. Commercial bank credit risk management, capital allocation is a fundamental way to improve the bank’s core competitiveness, strengthen and improve the bank’s capital allocation to improve the bank’s credit risk management, improve asset quality is of great significance.In this paper, the analysis of the literature review and economic theory, the theory and practice of the combination method, dialectical analysis, specification analysis and empirical analysis combining research methods and carried out research on the management of credit risk in bank capital allocation. This article is divided into a total of five parts, first part of the introduction part of the research background, research significance, and the research situation, this article uses research methods and research; the second part of this institute theories from the theory of capital allocation, and an overview of the connotation of the banks’ capital, the concept and theory of bank capital allocation for credit risk management of commercial banks in the allocation of capital to prepare for, and then define the concept and characteristics of bank credit risk, according to risk events that lead to the loss of bank credit assets, the credit risk classification is divided into credit risk, market risk, operational risk, etc.; third part, Evergrowing Bank, for example, on the basis of the relevant theory, combined with Evergrowing Bank analysis of the status quo of Evergrowing Bank capital allocation for credit risk management in the development of the actual situation, in-depth analysis of the problems in its work to prevent credit risks, the causes and problems to explore in depth; Part IV Evergrowing Bank capital allocation guard against credit risk management work and the reasons, combined with the advanced experience of the United States, Germany’s large commercial banks’credit risk management, capital allocation Evergrowing Bank credit risk prevention measures; The fifth part is the end of this article, research and innovation on this article, as well as lack of a summary.