Research On The Legal Supervision Of Commercial Bank Credit Risk

In recent years,with the continuous deepening of China’s financial system reform,major commercial banks have risen rapidly.During the development of commercial banks,credit business,as a traditional business,mainstream business,and pillar business of commercial banks,is bound to be the main promotion of development Power,but at the same time inevitably brings credit risk,so the legal supervision of credit risk of commercial banks has become a top priority.Many problems caused by insufficient legal supervision have directly or indirectly allowed the credit risk to occur,which has affected the effectiveness of commercial banks.Strengthening the legal supervision of credit risk of commercial banks is determined by the many risks in the credit business.The natural correlation between risk and banking business determines its existence in all stages of the development of the banking industry.Frankly speaking,the bank operates is risk,and risk and return are like the pros and cons of coins,coexistence and coexistence,usually products without risk have low returns The risk of products with high returns is also high.We can’t stand still because of fear of risk,and we can’t draw a dungeon to avoid risk.However,in the context of China’s commercial bank credit risk legal supervision is still not perfect,and some supporting laws and regulations are lagging,only full investigation of various legal relationships The advantages and disadvantages,and the rational use of all aspects of business development,can effectively protect the freedom of the financial market and strive to protect the interests of commercial banks from infringement.Therefore,how to perfect the legal supervision of credit risk of commercial banks has become the most important issue we face.This article starts with the basic legal relationship and will focus on the risk-prone and prone credit business.Through analysis of the relevant problems in the legal supervision of credit risk of China’s commercial banks,combined with the experience of legal supervision related to credit risk of foreign commercial banks,the final It summarizes the suggestions on perfecting the legal supervision on credit risk of commercial banks in line with China’s national conditions,so as to regulate the legal supervision of credit risk of commercial banks in China,so as to ensure the healthy development of credit business and ensure the stable operation of social economy.