Research On The Behavior Of Commercial Bank's Credit Information

In recent years,credit investigation has become an important part of social and economic life.The state is vigorously promoting the construction of credit reporting system,at the same time,commercial banks as a front-line position in credit investigation activities,actively cooperate with relevant departments to help the development of credit information construction in our country.Market economy is based on credit economy.The stable operation of the market economy system can not be separated from the perfect social credit system,in which the credit reporting system is an important part of the social credit system.With the development of market economy,the credit information standard of commercial banks is gradually becoming the key link to promote the development of economy,especially in the financial field.In the commercial bank credit standard,which can meet the needs of their own business,to prevent and defuse financial risks,so as to improve the efficiency of commercial banks;also can improve information asymmetry in the current market economy phenomenon to a great extent,the effective realization of information sharing.Therefore,it is imperative to standardize the behavior of commercial bank credit information.With the rapid development of credit industry,the standardization of credit reporting has been challenged.This paper focuses on commercial bank credit behavior specification of this theme,describes the relevant theoretical knowledge of credit and credit behavior of commercial banks,by describing the processes involved in commercial banks in credit activities,illustrating the necessity of commercial bank credit behavior,and introduces the development of credit system at home and abroad,the related content and thus leads to the current situation of the development of credit system commercial bank;at the same time,combined with the actual case of domestic commercial banks,from the perspective of the credit behavior of commercial banks in credit activities and problems in the practical work,we need to present the credit behavior of commercial banks in China still exist in the system,team building and other improvements,that strengthen the credit regulate the behavior of commercial banks,to reduce transaction costs and improve credit risk management level,improve the credit market The environment,the establishment of a benign market economic order and the stable operation of the economy and finance are of great significance.Finally,by drawing on foreign advanced experience,this paper puts forward countermeasures and suggestions to regulate the behavior of commercial banks' credit in China from two aspects of internal and external.