| The bankruptcy of Baoshang bank was taken over in 2018,which sounded an alarm for the urgency of risk prevention of commercial banks and the importance of credit capital security in China.Especially under the Tibet work principle of "governing the border is the key to governing the border,and stabilizing Tibet first",the stability of the financial sector is an important part of social stability in Tibet,The prevention of credit legal risk of commercial banks is also an important measure in the financial field.The management of credit legal risk of commercial banks in Tibet Autonomous Region is in the initial stage of development.Compared with other regions in China,most of the credit business of commercial banks in Tibet Autonomous Region is still in the traditional credit field,and the business complexity is relatively low.However,due to the lack of laws and regulations,external supervision and internal control,the credit legal risk of commercial banks in Tibet Autonomous Region is gradually emerging.Therefore,strengthening the construction of credit legal compliance has a strong practical significance for the steady development of commercial banks.As a staff of bank credit team,combined with his own work experience,first of all,from the concept and classification of credit risk as a starting point,the author gives examples of different people’s understanding of credit legal risk,and points out that credit legal risk is a part of credit risk,which exists in each type of credit risk.On this basis,the author puts forward the management principles of credit legal risk The characteristics are analyzed.Secondly,it summarizes the legal risk prevention system of commercial banks in Tibet Autonomous Region,analyzes it from two aspects of legislation and law enforcement,lists the legal documents applicable to the legal risk prevention system of commercial banks one by one,and analyzes the regulatory responsibilities of regulatory agencies from the perspective of law enforcement,This paper analyzes the current situation of credit legal risk of commercial banks in Tibet Autonomous Region and puts forward some countermeasures and suggestions.Then,based on the investigation of the characteristic credit business of commercial banks in Tibet Autonomous Region,the author puts forward the special financial discount policy,the credit supply structure in key areas,the information disclosure system,the construction of credit information mechanism for farmers and herdsmen,the pledge of charging right in scenic spots,the internal control mechanism of "three checks" of loans,and the countermeasures Problems in the construction of internal control department of legal compliance.Finally,in view of the current situation of the credit legal risk of commercial banks in Tibet Autonomous Region,this paper puts forward some preventive measures from the legal system,external supervision system,internal control system and other aspects,and puts forward some suggestions for preventing and resolving the legal risk of the credit business of commercial banks in Tibet Autonomous Region. |
