Risk Control Of Bank Credit Assets Under The Background Of Credit Expansion

Finance is the lifeblood of a country.As an important part of the national financial system,commercial Banks should ensure steady operation.Under the stimulus loose economic policy,under the competitive pressure tight credit business of multi-dimensional,the rapid growth of the commercial Banks to continue to increase credit business,seriously affecting the quality of credit assets evaluation.In the context of the expansion of commercial bank credit scale,what is the reason for the change of bank asset quality?How to evaluate the credit asset quality of citic bank in a typical case of a branch of citic bank and how to better control the asset quality of the bank?This is the main problem to be studied in this paper.In terms of theoretical analysis,the paper analyzes the commercial bank credit expansion,its growth in the short term deterioration in asset quality,seriously affect the quality of bank assets control mechanism,the mechanism of action is determined by the systemic and the systemic factors.Among them,the situation of economic operation,the fiscal policy and monetary policy,financial markets,the social credit and legal environment of systemic factors led to the quality of bank assets to deteriorate,the regional differences,the nature of the industry,and constitute the systemic factors such as bank controls will worsen the quality of bank assets.In terms of empirical analysis,the paper established the net interest rate of return variables,deposit-loan ratio,return on equity variables such as evaluation index,the analysis showed that the trend of bank asset quality is deteriorating.Based on the above theories and judgments,the author suggests that we should strengthen the top-level system design and make efforts in strengthening the legal,organizational,regulatory and learning mechanisms.In terms of risk control,it is recommended to strictly control the "three strictures" of risk flow before,during and after loan assessment,with emphasis on "three concerns".It is recommended to develop risk measurement tools,evaluate risks by scientific and technological means,explore the potential of traditional risk assessment methods and assess risks with the help of the government.We will control the rate of new loan defaults through strict quality control of new loans.To properly handle overdue and non-performing loans and implement risk control strategy.We will rationally adjust the distribution of loans,carry out risk assessment in the proposed areas,and strengthen risk control in key areas.In terms of the measures to deal with risks,it is suggested to change the management thinking,limit large loans and project loans,and highlight the small and micro features.Establish a loan structure model suitable for local economy and eliminate the related loan countermeasures.It is suggested to establish a classified management system and provide information services.To the government supervision,social supervision,the strengthening of risk control ideas,countermeasures.