The Research On Credit Risk Management Of Listed Urban Commercial Banks

In recent years,with the decline in economic growth,the on-performing loan balance and non-performing loan ratio of commercial banks is rising year by year,and the credit risk factors to commercial banks is a further reveal.The overall implementation of Commercial Bank Capital Management Method(trial)clearly put the credit risk into the scope of capital coverage risk,which stipulates that commercial banks shall meet the relevant regulatory requirements by the end of 2018,and strengthens the regulatory requirements of credit risk for commercial banks.As the representative of small and medium-sized banks,urban commercial banks have developed rapidly in recent years,increased significantly in the amount of capital market,and they are gradually gaining more and more important in the entire banking industry.Especially,since the CSRC's resumption of IPO at the end of 2015,an upsurge of "listing" has spread within urban commercial banks,among which Bank of Guiyang,Bank of Shanghai,Bank of Hangzhou,and some other urban commercial banks have been preparing for getting listed in the domestic A-share market.On the one hand,urban commercial banks have gained capital through the capital market,and have improved the governance structure and the regulatory environment,both of which have allowed urban commercial banks to get rapid development.On the other hand,the market position and the business environment of these banks have not changed completely,which make them to perform differently in the face of the credit risk and management.Based on predecessors' research results and theories,this article,first of all,starts with the particularity of credit risk management of the listed urban commercial banks.Based on the data from 2010 to 2015,in terms of the two aspects of the non-performing loan ratio(including the structure of the non-performing loans,regional and industry distribution),and the loan migration rate analyze the performance of credit risk on the static and dynamic perspectives;from another two aspects of loan concentration and provision for coverage analyze the performance of credit risk management.Through the analysis of credit risk and management performance,the level of credit risk management have improved partly,but this article also reveals some problems existing in the process of the credit risk management among listed urban commercial banks,such as lacking of consciousness of credit risk management;little innovation in terms ofrisk management method;with no sufficient personnel in risk management and weak control of industrial risk in main areas,which directly affect the overall performance of credit risk and management.Next,taking Bank of Nanjing as an example,this article not only analyzes the status quo of its credit risk management from the management system and method of credit risk management and finds Bank of Nanjing has developed a better credit risk management system in theory,but also summarizes both the performance of the credit risk management and the problems and countermeasures in the process from policies and methods,quality control of credit asset and risk control of key areas.This chapter plays a main role of refinement and complementary to the problems involved in the third chapter,and at the same time it also provides support to the improvement path mentioned in the fifth chapter.Finally,on the basis of above analysis,this article puts forwards some improvement methods respectively from such aspects as strengthening the construction of internal control system,cultivating culture of risk management to strengthen risk management consciousness;establishing and perfecting the enterprise database system,drawing lessons from risk identification to optimize the risk management methods;establishing an effective assessment and incentive mechanism to strengthen the talent team construction;optimizing the allocation of credit assets,strengthening the credit risk management in the key industries and areas.I hope this article can help listed urban commercial banks to improve their ability of credit risk management,and can inspire the urban commercial banks that will go public in the future.