Research On The Credit Risk Prevention Of DG Commercial Banks Under The Background Of The Old And The New Kinetic Energy Conversion

To speed up the old and the new kinetic energy conversion in Shandong province is an important strategic to guarantee that Shandong province will be the forefront of process of building a well-off society in an all-round way and opening the construction of modern socialist country in the new journey.It is both a big opportunity and a big responsibility,but also a major challenge.During this period,the overall economic structure of shandong province will change,which requires the banking industry to respond quickly and make greater contributions to serving the real economy,supporting small and micro development,supporting the service industry and emerging market industries.At the same time,we have to pay attention to the fact that shandong province is a big industrial province and a big processing and manufacturing province,while dongying's economy is dominated by manufacturing industry.As a state-owned commercial bank,DG bank has changed its risk status in the process of upgrading traditional industries:One is part of the processing and manufacturing enterprise itself backward production capacity,capacity utilization is insufficient,continuous operation ability,profitability is declining,unable to close down backward production facilities upgrading,and enterprise itself has a large number of bank financing,unable to obtain new financing from Banks,combined with the human cost,financial cost higher,enterprises have been unable to repay bank loan principal and interest,bank default risk.2 it is part of the traditional enterprise start to look for the transformation and upgrading,a large number of projects to upgrade the original capacity,or use their own capital investment,lead to enterprise's own money nervous,or choose financing from the bank,payment of interest expense,many projects have not been put into production,the enterprise is unable to repay bank loans due to capital chain rupture,causing bank debit interest loan default;Third,after technical innovation of enterprise transformation and upgrading,or due to inadequate market analysis to the new product,new product cannot reach expected earnings,or not enough skills in to new technology,new products processing and manufacturing cost is much higher than the industry average,resulting in a new project,new product cannot reach the expected earnings,even the profit is negative,unable to recover the original investment,the company's capital chain rupture,causing bank loan default;Four is in the old and the new kinetic energy conversion phase,the bank will be selective out part of the enterprise,manage the stock of loans shift(namely compression in industries with excess capacity,the real estate industry,polluting enterprises,such as loans,investment in emerging industries,and other large quality enterprises),for enterprise itself has been excessive financing,corporate finance many Banks failing,don't smoke in the bank loan,loan,no pressure,under the condition of loan just to maintain their own business,once there is a bank,especially the state-owned bank loans,loans,even with approval credit limitation is slowing,can lead to other Banks to follow suit or wait and see,make enterprise capital chain rupture,bank loan defaults.As an important part of economic operation,commercial Banks have experienced a stage of rapid development in the past decade and contributed a lot to the rapid economic development.In the backdrop of the old and the new kinetic energy conversion,however,China's commercial Banks non-performing loan ratio,bad loan balance presents a "double up" situation,considering that has not yet included scope of non-performing loans of commercial Banks "price scissors" loan balance digital relatively more big,the situation facing the commercial bank credit risk is more serious,therefore the commercial bank credit risk control and prevent problems also received more attention in the practice.The same is true of DG bank.According to the economic environment,regional characteristics and risk factors of DG bank,this paper puts forward some specific Suggestions from the perspective of DG bank.Second,the investment orientation of the credit industry should be optimized.The credit strategy should be improved according to the regional industrial structure and development layout.Third,we need to accelerate the transformation and upgrading of DG Banks,actively develop inclusive finance and green finance,and keep pace with technological innovation.Fourth,the internal guarantee system of Banks should be improved,including optimizing the customer access and exit mechanism,improving the risk warning mechanism and establishing a scientific assessment mechanism.Fifth,we should strictly control all kinds of risks in the credit approval process,strictly control the review and approval risks of credit rating,credit extension and credit business,and implement the determination of the value of collateral,as well as the review and approval of detailed projects.Sixth,it is necessary to strengthen loan management and control of normal loans and potential risks.Seventh,it is necessary to properly manage non-performing loans,do a good job in the daily management of non-performing loans,and promote the progress of the disposal of non-performing assets.