Research On The Government Regulation Of Credit Risk Of Commercial Banks Under The Background Of Economic Downturn

At present,China’s economy is in a critical period of growth phase shift,structural adjustment pains,pre stimulus digestion period,which is the shift of growth,structural adjustment pains,pre stimulus digestion period,from the perspective of economic development,the economic growth rate is slowing down.The macro economic downturn has brought new challenges to the credit risk management of commercial banks,but also put forward higher requirements for the government to monitor the credit risk of the banking industry.There are three main credit risk supervision of commercial banks,the first one is to the government as the representative of the CBRC and the central bank regulation through the core indicators of commercial banks capital ratio,the ratio of non-performing loans,non-performing assets ratio and single customer loan concentration of credit risk,so as to improve the ability of credit risk management of commercial banks the.The second part is the banking association,through the research on commercial bank credit business practice,put forward the credit risk of commercial bank credit risk management status,to provide suggestions for it,but the proposal does not have legal effect.The third part is the commercial bank itself,through the commercial bank’s own credit risk identification,evaluation,supervision and response,to achieve the effective management of credit risk.In this paper,the government regulation as the research object,to explore the role of the government in the credit risk management of commercial banks.The main content of this paper is to discuss the impact of government regulation on the credit risk management of commercial banks in the context of macroeconomic downturn.Firstly,the domestic and foreign scholars have done systematic research in the field of risk management,credit risk management and regulatory effects on the credit risk management;secondly,defines and explains the related concepts and basic theory,laid the theoretical foundation for the study;then the general problems and the main contents and basic framework the function of the credit risk of commercial bank supervision of commercial bank credit risk supervision in detail;then,the existence of government credit risk supervision of commercial banks under the background of economic downturn problems were analyzed,and to explore the causes of the problem;through the advanced experience of developed countries credit risk,summed up the improvement reference and Enlightenment of credit risk supervision of commercial banks in China;finally,from the credit risk regulatory agencies to establish a unified And improve the credit rating system,improve the information disclosure system,sharing business scope and clear "the same borrower" concept and put forward reasonable suggestions to improve the credit risk of China Commercial Bank and information.