Study On Precautions Against Credit Frauds Of Commercial Banks

In recent years, as China’s monetary and credit policy adjustment, social fundsface tightening, of a variety of fraud against banks, fraud is increasing. The creditfraud not only will affect the bank’s reputation, but also cause economic losses to thebank, and even influence the regional financial market stability; causes ofnon-performing loans of China Construction Bank, a considerable part due to fraud orauthenticity management is not in place is closely related to.Credit fraud have emerged some new features: more subtle fraudulently;significant increase in the key state regulation involved in the field of credit fraud,and even the local government sector participation or acquiescence of thephenomenon of fraud; gradually increased internal fraud, credit management‘excessive marketing process, excessive credit and excessive service’ boosts customerfraud, some of the company’s internal staff for personal gain, intentionally concealedfacts unfavorable to the company, to collude with stakeholders, provide falseinformation or data, to deceive investors, banks, etc. Customer credit fraud is an important issue, not only related to the quality of thework of the commercial bank credit, and the impact of the commercial banks to carryout the work of the quality of decision-making, has become the commercial banks arecurrently facing a major problem faced by the commercial banks in the credit processfor our, customer credit fraud is also China’s commercial banks are facing verysignificant and relevance of the subject has received universal concern of all parties.Therefore, the study of how commercial banks to prevent the adverse effects to thecommercial bank credit assets of credit fraud has become a necessary and inevitablechoice of commercial banks. Strengthen the publicity and guide customers anti-creditfraud and enhance the full anti-fraud awareness, strengthen the introduction ofpositive experiences and negative warning education, full the antifraud the vigilanceand sensitivity, in particular, to strengthen the anti-fraud training of credit officers toimplement refinement of the authenticity of the credit business managementrequirements, improve anti-fraud expertise in the current situation is very necessary.Good credit antifraud work is not only responsible for the development of thecommercial banks, is also responsible for the development and future of creditpractitionersThis paper analyzes the research status at home and abroad on the problem ofcredit fraud, and of the type of credit fraud and causes that credit fraud may cause the policy mistakes of commercial bank credit risk of credit assets, loans and lack ofconfidence and many other issues. For corporate customers credit fraud is extremelyserious social status quo, focus on the common means of credit fraud screeningThis paper by elaborate credit fraud types and causes, negative impact on theasset management of commercial bank credit, a detailed analysis of the commonmeans of its screening methods for credit fraud effectively identify and prevent creditfraud target, and thus promote the commercial banksrapid and steady development ofcredit business. Argument can strengthen the company’s customers propagandaagainst credit fraud and guide the implementation of the refinement of theauthenticity of the credit business management requirements, enhanced full theantifraud the vigilance and sensitivity, improve anti-fraud expertise.