Research On Credit Assets Of Guarantee Circle In Commercial Banks

At present,the economic fundamentals and society overall situation basically stable,but still the differentiation of economic trends,the economy downward pressure and difficulties will persist in a period.Due to market demand,the enterprise operating costs rise,along with “three and one down,one” works,such as accelerating,enterprise faces a transition.For banking service entity economy,the increased non-performing loans and insufficient effective demand for credit as the most direct impact.Since 2012,the national banking bad balance and defective rate rising into the channel.Facing severe external environment,the bank must continue to strengthen the fine management asset quality,improve the risk prevention and control ability,timely adjusting and optimizing the credit structure,improve product innovation ability,can effectively resist the impact of the “New Normal” economy.In recent years,parts of our country enterprise guarantee ring lead to a large number of credit risk exposure,bring greater risk of bank credit assets.Guarantee circle common guarantee model of mutual insurance,coinsurance,circulation,etc.These more than easily lead to excessive credit and credit guarantee way,increase the possibility of risk and transfer risk.Especially in the economic cycle,once in a business or some enterprises difficult or financial crisis,usually cause a domino effect,the risk contagion throughout the guarantee circle,so that enterprise inside the circle,the whole mess up.Banks need to fully understand the current guarantee ring the seriousness of the problem and complexity,risk research take effective measures to prevent the occurrence of regional,systemic financial risk.Promulgated by the central bank of China financial stability report(2016)argues that in 2015,the macro economic operation overall smooth,comprehensively deepen financial reform,financial system overall sound banking balance sheet growth,banking capital adequacy ratio are whole,overall control credit risk.Report also pointed out that,at present,China's economy is in a critical period of structural adjustment and transformation and upgrading,financial stability faces many challenges,the corporate leverage ratio is still high,commercial bank non-performing loans continue to rebound.Commercial bank risk management ability directly influences its asset quality level,and asset quality level will directly affect the profits of commercial Banks,in other words,asset quality is the lifeline of commercial Banks to achieve sustainable development.Among them,the bank's risk degree is the highest credit assets,and also the main part of assets.Thus,the quality of credit assets management is the commercial bank risk management is the most important part of,directly affect our country financial system steady and its own survival and development of commercial Banks.Commercial Banks and regulators will attach great importance to guarantee loan risks,how to effectively guard against and dissolve the guarantee circle of loan risk is the commercial Banks and regulators to major problems to be solved.By scholars at home and abroad for reference,the commercial bank guarantee and risk management research,and combined with their own work,the loan of A state-owned commercial bank guarantee circle the phenomenon and the causes were analyzed,and to improve the state-owned commercial bank guarantee loan risk has carried on the exchange of research and design,and finally form the support of some solutions for improvement measures,hoping to problem to be solved on commercial Banks and the supervision department,how to effectively guard against and dissolve the guarantee circle of loan risk,has certain reference significance.