Study On Early Warning Of Commercial Bank Loans After The Credit Risk

Commercial bank loan credit risk early warning is the last bulwark ofcustomer credit risk management, commercial bank credit, and the actual risk of theoccurrence of loan after loan after credit risk early warning mechanism in thebanking business is very important, as the credit the customer’s credit risk With thechange in time and ongoing operations continue, the credit risk is also constantlychange, therefore credit risk early warning is necessary to play an important role inpost-loan credit risk early warning is important work is to advance discovery creditcustomers the risk point, post-loan credit risk not only to monitor the static risk, itsalso monitor dynamic risk, prevent bank risk, to facilitate banks to take follow-upmeasures to prevent banks from loss.Commercial bank loans after credit risk early warning and monitoringmanagement is an important part of the loan risk management, credit risk warningpolicy, industry, the credit risk of customers early warning to prevent the risk ofcredit customers. At present, China’s commercial banks in the management of loanrisk warning there are some problems, and also contributed to the risk of creditcustomers can not be found, resulting in the loss of credit funds. First, China’scommercial bank loan credit risk management generally only through a ratingsystem on the customer’s credit risk monitoring, and its role is very limited, andoften risk credit customers to be able to find its The authenticity of the financialstatements provided relatively poor. Relatively long-term early warning, noadvanced warning signal identification, measurement means; Second, the processof the loan after credit risk early warning management, customers often managersassumed the credit risk of the loan after the information gathering in Business thebank, the account manager’s performance evaluation pressure is very large, tend to hide a lot of real information for the credit business, which also makes the creditrisk of early warning mechanism to malfunction.This paper studies the domestic and foreign commercial banks’ credit riskmanagement situation in Guangdong, a commercial bank as a research object, byliterature method, market research, internal depth research methods, their studyfound early warning of risks in the loan paper through the core issue of the loanafter credit risk early warning credit risk identification, measurement, research, andstudy the existing system, the proposed commercial bank loans after credit riskmanagement system recommendations and technical recommendations.Studies have shown that the main causes of the credit risk of commercialbanks in China are: information asymmetry between banks and enterprises, thebank’s organizational structure defects. I am trying to establish risk identification,measurement model to improve the management of credit risk early warning ofcommercial bank loans after the soft underbelly of literature method. Marketresearch study, presented to the forefront of proven theory applied to the loan aftercredit risk management and loan after credit risk early warning system, the twosystems are cross-checked to improve the credit risk in the domestic and foreignbank loans the loan after warning the accuracy and the amount in advance. By thedepth of the internal investigation, the internal process change.