A Comparative Study Of Commercial Bank And Internet Business Bank Credit Risk Management

Recently,our country economy enters the new normal,the financial industry is in a critical period of reform and innovation of traditional commercial Banks by "Internet +" and a series of impact of interest rate liberalization,in addition,in order to give him bank represented by the establishment of the private bank for the whole Internet banking bring brand-new management philosophy and new mode of risk management,make the competition is already fierce financial markets further intensifies the competition between the incumbent,IT will also bring about traditional Banks and private Banks competition and cooperation of agitation,which reversed transmission of traditional banking in management concept,management mode,organizational structure,IT construction and other aspects to speed up the pace of upgrading.The risk management of commercial Banks not only relationship with the profitability of the Banks themselves,affects the whole system the normal operation of commercial Banks and the security and stability of the financial market in China,under great pressure to get a long-term development,Chinese commercial Banks have to constantly improve the credit risk management.This article first to the minsheng bank credit risk management present situation and give him the bank risk management case analysis respectively,then from the management idea,the former loan credit risk management,credit risk identification and evaluation,credit risk control,credit risk feedback from several aspects of minsheng bank and give him bank small micro enterprise credit risk management,this paper compares and analyzes to credit risk management of commercial Banks put forward Suggestions for improvement.