Y Bank Credit Risk Management Research

Since the outbreak of the financial crisis in 2008,domestic and international financial environment facing many uncertainties,the pressure for surviving of enterprises especially small and medium-sized enterprises continues to increase,with the reform of the financial system continuing to advance,the commercial banks’ profitability continues to decline by relying on the traditional way of operation,the risk of opening up new areas of business to maintain profitability further increases.At the same time,the national level has repeatedly stressed that it resolutely defends the bottom line of no systemic financial risks.In this context,the ability and level of credit risk management has become the key to the effective prevention of systemic financial risks by commercial banks in the new period.Y bank as a young state-owned large and medium-sized commercial bank,in the aspect of system reform,management mode and idea change,there are still many problems,especially the ability and the level of credit risk management is not high,therefore,the systematic analysis is made on the current situation,problems and causes of Y bank credit risk management.Based on that,it is of great practical significance to further study the optimization scheme of Y bank credit risk management.