Research On Government Supervision In The Prevention And Control Of Credit Risk Of State-owned Commercial Banks

From the last century began at the end of 80s,with the world gradually relaxed financial regulatory policy efforts,at the same time,modern information technology development,the continuous innovation of financial products,eventually led to the outbreak of the global financial crisis.Coupled with the credit crisis,the debt crisis and challenges in the subprime mortgage crisis on banks facing external environment.Also had a significant impact on the development of the world economy.In the new economic situation,how to implement effective supervision and management of the bank,comprehensive,is worthy of study in the world.The state-owned commercial bank is the main body of China's banking industry in the task of promoting the reform of the financial system,a large part of the state-owned commercial banks fell on the shoulders.Facing the severe international financial situation,there are also weak competitiveness of our state-owned commercial banks,financial products a single,low level of mixed operation,in this economic environment,the Chinese government should do to implement effective supervision on the credit risk of state-owned commercial banks?At the same time,under the premise of effective supervision,implementation of the reform of the state-owned commercial bank internal management system,improve the pattern,reduce the risk of the bank.The government has the administrative function,to promote the reform of the market economy With the development of economic diversification,the government has the responsibility to supervise the credit risks of the state-owned commercial banksIn this paper,through the research of the scholars at home and abroad related research reports,combined with the actual work experience,the necessity of the state-owned commercial bank credit risk prevention and control of the government.Since the U.S.subprime mortgage crisis,China economic development has also been affected,in this economic environment,on the one hand to the development of economy,on the one hand to the prevention and control of credit risk this gives the government and regulatory agencies in China,from the aspects of supervision system,supervision method and other requests,traditional regulatory methods cannot meet the needs of today's market economy,but can not achieve effective regulation of the credit risk of state-owned commercial banks.This article from the daily supervision,supervision of the Internet technology,credit rating,Several special regulatory and other aspects of in-depth analysis of government supervision of the credit risk of state-owned commercial banks,found Chinese regulation on the credit risk of state-owned commercial banks such as the legal supervision system is not perfect,the daily supervision of heavy flow type light limitation supervision,special supervision business pertinence,regulation of the Internet technology behind the contempt of credit rating system.Because our country government supervision of the credit risk of state-owned commercial banks is not a long time,lack of experience,coupled with the financial market is to the development of intelligent network,combined with the current situation of government supervision of the credit risk of state-owned commercial banks,to explore the government of state-owned commercial bank credit risk Insurance regulation can be seen from the real-time supervision and audit supervision means to strengthen the network;constructing the diversified means of supervision,improve the effectiveness of supervision;grasp the particularity of credit risk prevention and control,to create personalized government supervision;construction of database platform,improve the technical supervision;the third party market credit evaluation system,strengthen the credit supervision only.Perfecting the supervision system of government supervision of the credit risk of state-owned commercial banks,in order to form a positive interaction between the government and the bank,at the same time improve the level of government regulation,steady development of financial market,enhance China's state-owned commercial banks competitiveness on the market.