The Research On Risk Assessment System Of Commercial Banks In China

With the continuous changes of the internal and external environment of the commercial banks, the risk of the loan is faced with the complexity of the development of the commercial banks. Although the relevant scholars and experts for the commercial bank loan risk research carried out fruitful exploration, but commercial bank loan risk assessment is always a world problem. In this paper, the risk assessment system of commercial banks is studied by using qualitative research, quantitative research and comparative study. First of all, the general theory of commercial bank loan risk is systematically studied. Secondly, the paper analyzes the historical data of China’s commercial bank loan, which makes the commercial bank loan risk in our country. Third, we consider the risk factors of commercial bank loan, and then construct the index system of commercial bank loan risk. Three.In this paper, we have the following findings:(1) the risk of commercial banks’ loan risk is gradually emerging, the lack of scientific loan evaluation system has become a commercial bank risk prevention, assessment and control of the main obstacles.(2) in the study of the risk assessment system of H commercial bank, the risk assessment, tracking and supervision of the loan before the loan, loan and after loan. From the specific indicators, credit risk and market risk is the main risk of H commercial banks, especially the external credit system is not perfect, moral hazard and adverse selection has become the biggest reason for the external risk of commercial banks, and the internal risk control is also the key.(3) the improvement of risk assessment system of H commercial bank needs to establish the risk assessment system, perfect the approval decision system and build the credit monitoring system.Finally, on the basis of the previous research, the Countermeasures of the commercial bank loan risk assessment system are put forward. On the establishment of credit risk early warning system, and can clear before the loan from the evaluation content, enhance the level of business people and innovation risk assessment method of; to perfect the loan approval decision system, optimize the approval personnel structure, adhere to the principles of loan approval and eliminate is the black box operation and its specific initiatives; the construction loan tracking monitoring system for can be based on strengthening the loan risk awareness, build post loan management team and to set up an effective incentive measures.