The Research Of Credit Risk Control Of Urban Commercial Bank From Regulation Perspective

With the development of economy,the commercial bank is facing vigorous competition,and the the management of credit risk of commercial bank is facing severe test. The situation of commercial bank is not optimistic, the non-performing loans (NPLS) showed a trend of sharp exposure, credit risk control become the focus of commercial bank risk management. From the recent financial market development status in our country, the loan of bank still have large proportion of total assets, people should not overlook the importance of credit risk control. Therefore, credit risk control as one of the important content of the commercial bank risk control which can improve the level of credit risk control for commercial Banks to enhance the core competitiveness.In recent years, urban commercial Banks in China develop by leaps and bounds. However, some problem exposed which need us to pay attention. Under the new normal economy, the ways of development of urban commercial Banks in the past is no longer suitable for the current economic situation. Pressure for development is more serious.With the growing demand of financial consumer,urban commercial Banks need to provide more high quality service, and make due contribution for the society,more important is to develop in the competition, but in the development process of commercial Banks has highlighted shows low capital adequacy ratio, high non-performing loan ratio, liquidity problems such as weak risk resistance ability of credit risk has become one of the biggest risk to the city commercial bank, its biggest problems of survival and development is how to control credit risk, improve the quality of assets, improve the operation and management, and make the index of risk control ability meet the requirements of the regulatory authorities and to better promote the sustainable development of itself.In this paper,the author take the Bank of A as an example,according to current situation of its credit risk management, the basis of the risk management, credit risk management theory, combined with external supervision of regulators at the same time, researching and analysis the main problems and causes of Bank of A.Put forward relevant countermeasures of credit risk control from both the view of regulators and the banks.