Research On Credit Risk Of City Commercial Banks Based On The Theory Of Risk Control

Commercial banks is the main providers of financial services social economy, assume the deposits, loans and other financial operations, the major part of credit assets of commercial banks generate profits, credit management level determines the core competitiveness and risk management of commercial banks. Banks is the funding agency, with a small amount of its own capital resulting in a greater inherent risk.Since2008, bursts of "subprime mortgage crisis, the European debt crisis", hit the Western banks of the major economies, deterioration of many banks, close to bankruptcy. During the global economic downturn, China’s economic growth is slowing, domestic banks are subject to varying degrees of impact.City commercial banks, as an important part in China’s commercial banking system, has the dual characteristic of commercial banks and local banks, credit funds for local economic projects.At present, the city has made rapid development and expansion of commercial banks, bad loans and credit risk is increasing.Therefore, urban commercial bank should invest more in risk prevention and management, should take the precaution of credit risk as a core, adhere to the implementation of risk management and risk controlThis article to rely on risk management concepts and theories, in defining the concept of city commercial bank’s credit risk, as well as listing the main features of the risk control as well as the main form of credit risk and other related content on the basis of. Selected dongying bank for research case, analysis the line in credit risk control aspects exists of problem, combines dongying bank actual operating situation as case, compared other credit risk control management status better of city commercial banks, analysis summary dongying bank credit risk management of status and exists of problem, proposed some upgrade dongying bank credit risk management level of recommends measures, sent hopes can helps China city commercial banks overall risk management level and capacity of improve, Play a reference.