A Study On The Risks Of Commercial Banks' Credit Assets Concentration

In the 21 st century,where the global economy is converged,the process of globalization,technology and information technology are accelerating,the world is closely linked with the economy and information.Among them,the global financial market is particularly active.Capital flows in the global market continues to accelerate,the world's capital size is growing,at the same time,the financial market,the price fluctuations of various assets are also increasing,the global financial market is facing increasing risk.Commercial banks as the most prominent financial system on behalf of the economic risks facing it can be imagined,and the banks face a variety of risks in the loan situation is the most important risk,is the national financial institutions and the bank itself,the monitoring and To prevent the important object and accounting of the main content.Commercial banks have always been the main bearers of credit,set up a bridge with the enterprise to help enterprises solve the financing problem.However,the way and channel of commercial bank funds will not only affect the economic interests of banks themselves,but also affect the healthy development trend of China's economy.Therefore,the problem of credit assets concentration in commercial banks is a problem that we need to pay attention to.Concentration,is likely to lead to increased bank risk.This paper takes the concentration risk of credit assets of Nanchang Branch of Postal Savings Bank as the research object of this paper.This paper introduces the problems existing in the process of centralized risk disposal of credit assets in Nanchang Branch of Postal Savings Bank.After analyzing the causes of the concentration of credit assets,the author makes a deep excavation from the banks themselves and the external environment.By reviewing the internal reports of the reports,working manuscripts and documents formed by the Nanchang Branch of the Postal Savings Bank in dealing with the risk of credit asset concentration,combined with the case of the concentration risk of credit credit assets of the branch of Nanchang Branch,a detailed analysis Its real case occurred in the course of business,deep excavation of specific reasons,analysis of its credit asset concentration risk generated by the specific and special reasons,and give the corresponding initiatives.