Case Study On Credit Risk Prevention And Control Of Commercial Banks

China's economic development has entered a new era,facing new problems and contradictions.The economic goal has changed from simply pursuing economic growth to continuously promoting economic restructuring and improving economic quality.Industries with excess capacity have been gradually eliminated.Emerging industries,such as new and high technology industries,have maintained rapid growth.Downward pressure on the economy has not been effectively eased.As China gradually enters the aging society,the demographic dividend gradually disappears,and the economic growth rate will further slow down.Various new situations and influences brought by China's economic development at a certain stage have infiltrated into the financial field,making the development of the financial industry constantly faced with risks,which gradually evolved into systematic and overall risk factors.Financial risk has become the most prominent and significant major risk.As an important part of the financial industry,the business environment of commercial Banks is becoming increasingly serious,the loan failure rate is rising,and the credit risk is continuously exposed.On the basis of summarizing relevant research results at home and abroad,this paper makes a systematic study on credit risk prevention and control of Chinese commercial Banks by using risk control principle,normative analysis,case analysis and other research methods,and drawing on international experience.Its research content mainly includes the following three parts: first,the basic problem of credit risk prevention and control of commercial Banks;second,a case study on the risk prevention and control of W commercial bank's credit business;third,W commercial bank credit risk prevention and control case inspiration.Through research,it is found that it is necessary for commercial Banks to strengthen credit risk prevention and control.Commercial Banks must do the following : first,to grasp the commercial bank credit business risk point;second,to improve the internal control system of commercial bank credit risk.third,to improve the supporting measures to prevent and control the credit risk of commercial Banks so that they can developcontinuously in the increasingly fierce competition.