Study On The Loan Risk Management Of Commercial Bank In The Economic Downward Path

The reality that the economic globalization is accelerating,and Chinese economic trend to downturn,also it is exacerbating the risk of commercial bank,because commercial bank is regard as the “second heart”of the market economy system in our country.As the credit business return is the most important income of the commercial bank,credit risk management concerns the financial stability,strengthening the management of credit risk allows of no delay.This paper first introduces several theories of risk types and risk engagemant of banks,and talk the relations between the the economic cycle and commercial bank,analyzes the characteristics of economic downturn,in order to study the impact of the economic downturn on the commercial banks,then introduces the real case of Jiangxi X bank,analyzes the credit risk of the current situation and the issue of credit management,compares to advanced practice of the United States commercial banks to know the difference between American and China,at last,we conclude that China commercial bank should strive to keep step with the economic policy,optimize the credit structure,strengthen the system construction,build a comprehensive risk system,strengthen internal control system,establish a good credit culture,work hard to collect non-performing loan.