C Bank Credit Risk Causes And Control Strategy Research

In recent years, along with the financial market reform, the Internet financial clout in the financial field is increased gradually, the competition between commercial banks in China has intensified, commercial banks around the profit maximization goal started to increase on the quality of customer competition, many commercial banks to obtain these customers, have dished out a variety of preferential policies. And even some bank loans in order to get the illegal enterprise customers and phenomenon, thereby increasing the credit risks of commercial banks. Many domestic and foreign experts, scholars around the advice of credit risk problems and suggestions, these studies can give some of suggestions from various angles. This paper will start from this specific bank C bank’s point of view, through the credit risk on bank business analysis, and to propose strategies, has certain theory significance. The topic of this paper is divided into the main body of this dissertation includes the first part is the introduction. First of all, through introducing the thesis background introduction to the domestic and foreign scholars, and literature analysis, and then put forward the research purpose, in order to determine the content of the study, and lists the possible points of innovation. The second part is the analysis of the concept and the control theory of bank credit risk, mainly related to the concept of credit risk of commercial banks and theoretical analysis. The third part is to analyze the present situation of our country commercial bank credit risk management. The fourth chapter is the core of this thesis, research the present situation of C bank credit risk internal control system, and the characteristics and problems of C bank credit risk control system to carry on the analysis, the sixth chapter proposed to enhance C bank credit risk countermeasure, the last part is the conclusion. The research of this paper will provide constructive suggestions for the improvement of credit risk management of C bank problems, and can improve the credit risk management and provide reference for other commercial banks in china.