Research On The Credit Risk Prevention Of Commercial Banks Under The Background Of Economic Structure Transformation

As China's economic growth slows down and the pace of economic restructuring is quickening,it is increasingly urgent to speed up the efficiency of all kinds of resources from the supply side,the curtain on the reform of the supply side has been opened.Under this background,the operation of domestic commercial banks is facing a series of new normal business practices: the uncertain economic development prospects,removal of inventory in the real estate market,the real economic operation difficulties,the difficulty of financing for SMEs and so on.At the same time,with the acceleration of interest rate marketization in China,commercial banks are increasingly facing the business environment of increasing interest rate volatility,increasing competition in the same industry and slowing profitability.Especially under the dual pressure of economic downturn and market liquidity,the credit risk of commercial banks in the past few years and the hidden risks behind high profits are gradually exposed,and the rate of non-performing loans is rising.In this context,the study of the credit risk prevention of commercial banks under the background of economic restructuring is of great significance to the adjustment of the bank's operational structure and the transformation of the business.In recent years,China's economic operation has entered a "new normal".The economic growth entered the shift period,the structural adjustment entered the painful period,the early national stimulus policy entered the digestive period,and the "three phase superposition" effect gradually appeared.As an important part of the economic operation,commercial banks have developed very rapidly in the past ten years.However,in the context of economic restructuring,the rate of bad loans in China's commercial banks and non-performing loans showed double up trend,Even the reality of bad loans may be much more severe than thebank's published accounts,so the loan risk management of commercial banks has been paid more attention.The emergence of non-performing loans of commercial banks under the background of economic transformation will face many new factors.Starting from the study of credit risk and credit risk management theory,this paper makes an in-depth analysis of the transformation of economic structure,and then study the influence of economic structure transformation on credit risk and credit risk management,and finally provides strong theoretical support and practical support for the proposal of the policy.