Research On Credit Risk Of China's Commercial Bank And Relative Countermeasures In The "New Normal" Economy

Credit loan business as the core business of commercial banks,the benefits of loans are indeed the main source of profit for bank expansion and business.For a long time,the credit risk control methods and methods of commercial banks in China have far from keep up with the booming commercial banks' business level.The management level of credit risk has been inefficient,which has restricted the further development of commercial banks and with the further development of the banking industry and the further changes of the domestic economic situation,including the implementation of the national macro-control policies,the future commercial bank credit risk control will face more severe challenges.This paper attempts to systematically analyze and study the credit risk management of commercial banks by means of scientific research methods such as literature research,case analysis and feasibility analysis,and to sort out the specific performance of credit risk of commercial banks in China,risk management and institutional construction in-depth analysis.This paper concludes that under the new situation of economic development,some problems still exist in the management of credit risk in China's commercial banks,mainly in the credit organization structure and credit business process of commercial banks.Then,through the analysis of the specific cases,this paper analyzes the management framework of the credit risk management of the current T branch with the B branch of the Industrial and Commercial Bank of China as the specific research object to study the main problems of its credit risk.It points out that the credit risk is mainly due to the unreasonable management mechanism of credit business,the imperfect mechanism of early warning mechanism,the imperfect internal control mechanism,the unreasonable management structure of risk management and the relative lack of credit risk management of small enterprises.Finally,the article gives some suggestions on improving the credit risk management of commercial bank loans,and designs a set of perfect credit risk management system for commercial banks to optimize the credit risk management structure of Industrial and Commercial Bank of China T branch.To establish a sound credit business approval process,standardize each process of the loan business,on this basis,further focus on improving the loan risk classification management level,improve the credit risk forecasting ability and continuously enhance the credit risk management information level Start,improve the credit business management mechanism.Only to understand the current situation of the credit risk of commercial banks,and earnestly recognize the current problems of the current credit risk and the reasons for the formation of these problems in order to be in the current economic operation under the new normal,targeted specifically to the credit business Control and grasp,which is the top priority of bank risk management.And only in the actual application process,through the continuous strengthening of the characteristics of credit risk research,the establishment and practice of credit risk assessment model,in order to effectively manage the credit risk,improve the overall economic level.