Research On Credit Risk Management Of Z-bank Under L Economic Trends

In the context of the basic determination of l-shaped trend and deepening of supply-side reform in China,it is difficult for city commercial Banks to face great development pressure due to their narrow business area,small size of overall scale,strong development dependence,and single product,especially the ability to go to production capacity and deleverage,which poses great challenges to the risk control of the credit business of the city.Interest income is the main source of revenue of the city firm.Due to the rise of nonperforming loans and the stagnation or even decline of profit growth,the research of credit risk management is directly related to the development and survival of urban commercial banks.Not only the surge in their own risk,the financial industry as a whole is also facing a greater systemic risk.The recent issuance of regulatory documents by the China Banking Regulatory Bureau(CBRC)is the risk of the existence of credit business,and through the continuous supervision and inspection,it is put on the " Tightening Hoop-Incantation " for the development of bank credit business.This paper analyzes the current situation of credit risk management at home and abroad by analyzing the current situation of credit risk management at home and abroad,analyzes and analyzes the credit risk management of Z bank,and analyzes the shortcomings of Z bank credit risk management under L economic trend,And puts forward their own opinions and suggestions on the credit risk management of Z-bank.In the national "Internet +" strategy,large data,cloud storage and other concepts today,the credit risk management has a new way of thinking and definition,through the people-oriented to create a comprehensive risk management atmosphere,the introduction of large data platform,"Internet +" Risk management and other concepts will effectively improve the level of credit risk management,enhance risk prevention capabilities.