Study On Credit Risk Management Of XX City Commercial Banks Under The New Normal

In May 2014,General Secretary Xi Jinping at the central economic work conference put forward the "new normal" concept,which reflects the current characteristics of China's economic operation: First,the economy from high-speed turn into high-speed growth;Second,the economic structure of continuous optimization and upgrading,the proportion of the tertiary industry steadily improved;Third,the mode of development from extensive growth to efficiency-intensive growth.In the context of China's economy entering a new normal state,the real economy is slow to develop and its anti-risk ability is reduced,and its support effect on bank profit growth is obviously weakened.At the same time the financial industry surging,the emergence of explosive growth in Internet finance,interest rate market to accelerate the supply side of the reform curtain has been opened,which gave the bank survival and development has brought great challenges.Beginning in 2014,the bank's nonperforming loans showed a rebound trend,non-performing loan balances and nonperforming loans continued double-liter,continued until 2016.According to the China Banking Regulatory Commission statistics,as of June 2016,the balance of non-performing loans of commercial banks has exceeded 200 billion yuan,an increase of more than 280 billion yuan at the beginning of the year;NPL ratio of 1.81%,up 0.14 percentage points from the beginning of the year.At the end of 2015,the net profit growth of commercial banks was 2.4%,down by 7.2 percentage points from the growth rate of 9.6% at the end of 2014.This paper analyzes the current situation of credit risk management of XX city commercial banks from the aspects of credit risk management culture,credit risk management organization structure,credit business process,credit risk management measure and credit supervision main index in XX city commercial bank as the research case,And then analyze the management of the problems and causes of analysis.At the same time,this paper puts forward some suggestions on how to improve the credit risk management level of XX commercial banks in the city by strengthening the internal risk control and paying attention to the substantive investigation and management after the loan loan.To strengthen the information sharing and cooperation with the Internet financial industry;to expand the channels of non-performing assets to improve the digestion rate.