The Problem Of XX Commercial Bank Credit Risk Control And Counter Plan Research

With the progress of social economy and exacerbate of market pressure, all kinds of banking risks occur. Risks will have huge impact on banks’ profitability. More seriously, it may lead to bank failures. Therefore, only if we achieve the effective risk management, can we make sure that bank become more prosperous; otherwise, inappropriate risk management will make it disappear. With the help of the huge industrial preventive measurement, risk management tries to minimize risks and is based on risk identification, assessment and analysis. We can not only make sure that banks operate steady but also improve stockholder’s benefits by taking effective measures to control banks’ risks. However, according to our current commercial bank credit risk control, we still have many flaws in the aspect of risk management, for instance, banks’ non-performing loans ratio is much higher than the international banking system. Therefore, the author refers a large number of literatures, studies further regarding the commercial bank credit risk and points out the problems existed in the commercial bank credit risk of our country. Finally, the author concludes the corresponding solutions. Hope its solutions would play certain roles for this bank and other commercial banks.XX bank is a local commercial bank, which focuses on credit business and provides loans to local economic projects in order to promote local economic development. However, local commercial banks face internal and external risks including credit risk, market risk, operational risk, liquidity risk, reputation risk, strategic risk and legal risk. These risks tend to cause problems in the aspect of credit risk management. Thus, this article is devoted to investigate problems and provide solutions aiming at the problems faced by XX banks’ credit risk management. Therefore, this article not only has strong practical significances but also has certain application values.This article takes XX commercial banks as the research target by applying case studies, system analysis and literature methods to come up with problems, analyze problems and solve problems. For example, this article analyzes the following aspects:(1) By studying the relevant literature on credit risk management, different types of credit risk of commercial banks are effectively defined. They are market risk, fluid risk, credit risk and operational risk separately.(2) Aiming at problems existed on XX bank credit risk control, this paper applies specificcases to analyze comprehensively from both internal and external perspectives.(3) Based on the banks’ existing risks and faced problems, this article proposes solutions by applying comprehensive risk management theory.