Research For The Credit Risk Prevention Of The Commercial Bank Under The Circumstances Of New Normal Economic Business

Since 2012,the global economy has been running low and global GDP growth is expected to be around 3 per cent in 2016,and the global economic recovery is weak.In this context,China's economy is difficult to insulate itself.According to the statistics of China national bureau of statistics,the GDP growth rate of China in 2014 and 2015 is 7.3%and 6.9%respectively.China's GDP growth rate is 6.7%in 2016,and has a trend of decline in recent three years.China's economy has entered the period of " new normal" of medium speed operation from about 10%of the high speed growth stage.In this context,the slowdown of economic growth,insufficient investment demand,excess capacity,and promote the transformation of economic growth model and adjustment of economic structure,China's economy entered a new normal development,but also bring new opportunities and challenges.Under the new normal,commercial banks as the core and main body of the financial industry,operating environment and operating mode are quietly emerging some new changes,more obvious is the non-performing rate and non-performing loans of credit assets.the business pressure of commercial banks increase,and even some of the bad rate of commercial banks have reached the regulatory red line.At the same time,a large number of enterprises default,and finally bankruptcy or " run ",has seriously affected the stability of local financial environment,and caused high concern of the central and local governments,the government and regulatory authorities have issued corresponding stabilization policies to guarantee the stability of local financial environment.For a long time,the profit growth pattern of China's commercial banks is to earn deposit interest by issuing loans,and the size of credit determines the profit level,so credit assets share the largest proportion in the assets of commercial banks.The economic upswing covers the extensive management and extensive management of commercial banks,and the problem highlights in the downturn of the economy,which is the main factor of the bad Shuang sheng.At present,the non-performing rate of commercial bank loans is high,seriously affecting the stability of financial and economic situation,and increasing the prevention of bank credit risk is imminent.The current commercial banks need to solve the problem is to improve the level of credit risk management,improve the quality of credit assets,and abandon the previous management of heavy performance management.After nearly ten years of rapid development of commercial bank,lying in the era of money has gone forever.only adapt to the new normal economic development mode,change management concept,innovative development strategy,can effectively grasp the new opportunities,to meet the current challenges.This paper is divided into six chapters:the first chapter is the introduction.the main content is outlined in this paper is in the background under what kind of.what is the main significance of this paper,a brief description of the main research ideas and methods.and describes the related literature at home and abroad for credit risk prevention,at the end of this chapter this paper expounds the innovations and deficiencies.The second chapter introduces the overview of China's commercial bank credit risk and risk prevention process,including the basic concept.classification and characteristics,the next step explains how to conduct credit risk prevention and formulate the corresponding risk prevention measures to lay a theoretical foundation;then introduces the development course of our country commercial bank,a detailed review of the traditional economy,planned economy,market economy under the situation of credit risk prevention development status.The third chapter is the economic new normal situations on the impact of the credit business of commercial banks,analysis of existing problems and risk factors,described the formation of the credit risks of commercial banks under the new economic norm,the purpose of this chapter is to reveal the main reason that the commercial bank credit risks of the new economic norm,pave the way for the solution to the problem,for the business the bank under the new economic normal to the credit risk prevention foundation.The fourth chapter of a commercial bank S branch credit business development is analyzed as an example,discusses the credit risk of commercial banks is the internal factors and external factors,and the existing risk prevention measures.In the fifth chapter by chapter on a commercial S branch of bank credit business analysis,the existing risk prevention measures already can not adapt to the development of bank credit business under the new normal.To improve the quality of credit assets and The emergence of a large number of curb credit risk,this chapter is from the credit system,the process of commercial banks to improve the deficiency in credit risk prevention at present,mainly from the micro level to establish a set of theory and practice of feasible operational credit business process,mainly reflected in the customer access,credit business customers and customer credit rating.The duration of business risk prevention,and to design a set of the stock of credit business risk detection method,the classified management of customers,according to the risk characteristics and the risk warning information,develop differentiated solutions,to provide guarantee for the development of the quality of credit assets and stable credit business.The sixth chapter is the conclusion and prospect that big data era has arrived,the commercial banks should make full use of the advanced technology is to establish a complete and operable credit risk prevention and Fan Liucheng Risk prevention mechanism,and constantly practice and sum up.only with the times,can adapt to the new normal economic development.