Research On Government Regulation Of Credit Risk Of Commercial Banks Under The Background Of New Economy

At present,China's economy is in a structural adjustment and transformation and upgrading of the critical period,economic development has entered a new normal.The new economic normal refers to China's economic development after entering the new historical stage,but also a simple summary of the current economic development trend,showing the economy from high-speed growth to low-speed growth,from factor-driven,investment-driven to innovation Driven,"three superimposed" and other characteristics.With the economic development into the "new normal",the process of financial market reform gradually accelerated to the Internet financial as the representative of the rise of new financial forces on the traditional financial landscape to bring deep impact.Changes in the external macroeconomic and financial market patterns have made my business bank management,especially credit risk management,facing new challenges.Finance is the core of modern economy,China's commercial banks in the financial system in the dominant position,play a vital role in economic development.Credit risk is the most important risk faced by commercial banks.Under the new situation,credit risk management is not only related to the profitability of commercial banks and capital security,extreme cases will lead to commercial bank failures,or even domino effect,triggering systemic risk of banking.Robust credit risk management is critical to the continued healthy development of commercial banks and the steady development of the banking system as a whole.In the face of the serious challenges brought by the new normal,how to guide the commercial banks to correctly understand and take the initiative to adapt to the new economic normal,the credit risk to achieve a comprehensive and effective prevention and control of government regulators become an important mission and task.Therefore,it is of great theoretical and practical significance to study the problems and countermeasures of government regulation of credit risk in China's commercial banks.It is of great theoretical and practical significance to promote the steady development of China's commercial banks and to stabilize the security of China's financial system under the new economic norm.This paper is divided into seven parts.The first part of the introduction,mainly discusses the research background,significance,methods and other content,while the contents of the existing literature were elaborated.The second part elaborates the concepts and theories about credit risk supervision of commercial banks,mainly defines the concept of commercial bank credit risk and banking supervision,and expounds the theory of risk supervision of commercial banks,which lays the theory for later research basis.The third part analyzes the credit risk and government regulation of commercial banks in China under the new economic background,and combines the new economic connotation and characteristics,emphasizes the new characteristics of credit risk of commercial banks and the new economic risk of commercial banks.The impact of supervision and the new characteristics of the analysis,pointed out that China's commercial banks credit risk government regulation of the advantages and disadvantages.The fourth part introduces the supervisory organization system and basic functions of China's commercial banks.Through the in-depth analysis of QL bank credit risk case and the current situation of supervision,this paper analyzes the problems and causes of government regulation of credit risk in China's commercial banks.The fifth part draws lessons from the foreign government's successful experience in the credit risk supervision of commercial banks and applies it to the government supervision of credit risk in China's commercial banks.In the sixth part,through the deepening of the previous article,the author puts forward the countermeasure to perfect the supervision system of our country's commercial bank.The seventh part summarizes and prospects,summarizes the research achievements and shortcomings of the paper,and puts forward some policy suggestions on the government's supervision of credit risk of commercial banks.