Research On Enterprise Credit Risk Of Commercial Banks

Commercial bank credit control is the core of bank credit business. With China’saccession to the WTO, international financial markets, credit risk has become the mainfinancial risks faced by Banks. Can commercial Banks in the fierce competition in thebanking or financial industry survival and development, the most mainly depends on theability to control credit risk in commercial bank. Perfect preparedness measures, is not onlybeneficial to the commercial bank credit business smoothly, but also for enterprisedevelopment provides a powerful support and help. Therefore, the enterprise credit riskcontrol to become commercial Banks urgently need to solve the issue.This article is divided into six parts:The first part, introduction. Account of generality of this article research background andsignificance, domestic and foreign research review, content, methods and innovation pointsand deficiencies of this article.The second part, overview of commercial bank credit. Of commercial Banks credittheory, origin, credit investigation, content and methods are reviewed and introduced, to laythe theoretical foundation for this study.The third part, our country commercial bank credit status quo analysis. Analysis ofcommercial bank credit status at home and abroad, and combining the case specific analysis,integrating theory with practice.The fourth part, our country commercial bank credit risk and root cause analysis.Through to the commercial bank credit status and combined with case analysis, summarizesthe risks, and thus reveal the commercial bank credit controls, there is an difference offinancial statement analysis professional, before the loan enterprise comprehensiveinvestigation does not reach the designated position, post-loan credit management is notcontinuous, imperfect internal control system, credit access control is lax, the customermanager of quality and responsibility consciousness is not high.The fifth part, prevention countermeasures of our country commercial bank credit risk.This part of the key to enterprise’s financial statement analysis in the commercial bank toprotect against it, and to the attention of the enterprise credit business management program.The sixth part, for the purpose of this article without full research to the knowledge levelof the next phase of planning, in the supervision and enhance their own value on have very good effect. At the same time to improve the commercial bank credit risk guardconsciousness and the healthy development of credit business play a very important role.