Credit Concentration Under The Perspective Of Commercial Bank Risk Management Research

At present,China is mainly faced with the transformation of economic growth momentum,from the past resource-based,factor-driven economic growth into improve TFP.The establishment of the international division of labor,the transfer of production is over,the global dividend has ended.The cost of money surging leads to new problems in human society.In this economic environment,commercial banks are faced with the contradiction between scale expansion and risk control.In the process of continuous expansion of the scale,prone to excessive credit funds to a few customers,a few industries or a number of regional problems,resulting in credit concentration.Credit concentration will bring some operational risk,moral hazard and credit risk.This paper focuses on the risk management of commercial banks from the perspective of credit concentration.Firstly,the author studies the connotation of credit concentration,the classification of credit concentration,the relationship between credit concentration and bank risk,established a qualitative analysis and quantitative analysis of the combination of research methods.Secondly,it studies the present situation,causes and effects of the credit concentration.Through the analysis of the authoritative data released by the supervisors and the data of the listed banks,this paper expounds the actual situation,the causes and the impact of the credit concentration in China's banking industry.Again,a listed city commercial banks,for example,selected its 2011-2016 panel data,chose the largest single customer concentration,the maximum ten customer concentration and industry concentration of three indicators,using tools such as the Herfindal Index,made a comprehensive measurement of this bank's credit concentration,and analyzes the related problems after the outbreak risk of credit.Finally,combined with the above analysis results,to the commercial banks themselves,the regulators made some suggestions and comments.