The Research Of Credit Risk Management In Economic Downturn Of China

The content of this article is in the relationship between macro economy and the correlation of bank credit risk management.First, we need to analyze the influence factors of bank credit risk, based on this, for our country economy downward pressure to increase economic uncertainty to the discussion of these factors.We also analyze its credit risk management in commercial Banks in our country during the economic downturn will analyze how the impact of the macroeconomic.By this study will help to clarify the commercial bank credit risk under the background of the economic downturn wave source,to the actual decision makers to provide information support;Combined with the current macroeconomic situation, the commercial bank credit risk management system for the construction of the perfect, a lot of useful Suggestions are put forward.This paper specifically considered commercial bank credit risk management in the economic downturn environment in our country;before talking about the credit risk management articles, overlooked the factors affecting the bank credit risk are discussed,and this should be the core of the credit risk management;In this article, we also put special emphasis on the bank credit risk management under the background of the economic downturn on the adverse effects of the macroeconomic environment, we believe that the credit risk management should be based on the macroeconomic system of the whole work.Through the study we get conclusions.the commercial bank credit risk of macro and micro factors are analyzed.Analysis the economy of social wealth and profit growth is the most direct factors affecting the credit risk, the higher rate of economic growth and social consumption level to be able to make bank for enterprise credit payments have strong expectations for the future.And sufficient money supply to keep economies sufficient liquidity, is advantageous to the production enterprise profit forecast;On micro factors,capital adequacy ratio and provision for coverage requirements, such as reserve system can well prompted Banks to strengthen the control of credit risk, regulators on the regulation of these indicators rules at the same time, can effectively adjust the macroeconomicfluctuations.Through the study of Chinese data, we found that the commercial Banks in the economic downturn period under the intervention of the government credit policy, the credit risk of its back is delayed, at the same time a large number of "rescue" credit allowing Banks to itself with a lever.In turn, the bank credit risk management can also guide the transformation of economic structure, through a credit support emerging industries, for the traditional industry, strengthen the audit risk, encourage enterprises to change.And, more importantly, a looser credit can be adjusted to the social and economic structure upgrade for more time.Finally this paper also puts forward some policy Suggestions.