Risk Of Commercial Banks Prevention Of Problem Loans

With the rapid development of science and technology, information technology in modern times, the world financial industry development is booming, especially the commercial Banks, a lot of money collection to the Banks, lending capital chain become an indispensable part of the whole social production and economic activities. Lending business main body and behavior involved complicated, involving wide range, a loan problems is likely to involve a large number of enterprises, Banks, insurance companies, and even the government, the social harm will be caused by the multiple amplification, bad influence, this makes the problem loans has become affect the normal production and economic activities of social ills. And at present our country the present situation of the problem loans and potential threat to worrying, how to improve the ability of prevention and treatment of problem loans, has become a priority for China’s banking industry, discussed the problem with the necessity and urgency of reality. To pay close attention to risks of loans, can reduce the possibility of loss occur; Take decisive measures of loans to have problems, can largely reduce the loss. Measures taken earlier, the problem loans the Banks’ losses is smaller, the social harm caused by the lighter., therefore, this article from the definition and practical classification of problem loans, to combine theory and practice, in the perspective of the credit risk management, on the one hand, by listing examples, presents the real statistics research methods to explore different kinds of credit risk identification and prevention, post-loan management and discuss how to make loans; Loan involved financial laws and regulations on the other hand, combined with the problems such as the analysis of the general principles for the loan, loan new rules, to think about how to use the rules in the modern economic society and the system for loan risk management, and prevention of non-performing loans. To sum up, the face of problem loans should give priority to prevention, treatment, to avoid omissions. Prevent loan risks, not only need the banking internal powerful regulatory measures, also needs the support and improvement of the legal system.