Research On The Problems And Countermeasures Of Government Supervision Of Bank Credit Risk In Zhejiang Commercial Bank

In recent years,with the continuous development of our economy,the commercial banks in the field of crossover and cross business expansion,commercial banks are facing more serious financial risks,and credit risk is the main risk.Its extensiveness,complexity and concealment are the most difficult to control financial risks and have the greatest negative impact.Therefore,the credit risk management of commercial banks is very important to the steady development of financial markets.Simply relying on banks to manage their credit risks can no longer cope with such a complex and changeable situation.The prevention and control of credit risks not only requires the strengthening of credit risk control within commercial banks,but also requires the "invisible hand" of the government to strengthen supervision.But from the actual situation,the government still has many problems in the supervision of commercial banks’ credit risk,which is not only unfavorable to the development of commercial banks,but also unfavorable to the stability of the entire financial market.Based on this,this paper takes Zhejiang region as an example to carry out research on government regulation of credit risk.Based on market failure theory and differentiated management strategy theory,it collects the content,methods and status quo of government regulation of commercial banks’ credit risk through literature research,questionnaire survey and interview.According to the three aspects of supervision subject,supervision method and supervision basis,the deficiencies of the current government’s supervision on the credit risk of commercial banks in Zhejiang Province are drawn,which mainly include: Complicated credit risks,increased regulatory difficulty,multiple regulatory bodies,unclear responsibilities,low regulatory efficiency,regulatory process is mere formality,regulatory norms are not in place,and there is a regulatory blank.Based on the provincial situation of Zhejiang Province and the actual situation of commercial banks,this paper studies and summarizes the corresponding countermeasures to better help the development of commercial banks in Zhejiang Province.Starting from the problems,we will sort out and conclude good practices and improve the weak links in government supervision.At the same time,improve the regulatory basis,regulatory methods and so on as the focus to improve the effectiveness of the government’s supervision of commercial banks credit risk.It is a supplement to the theoretical research on bank supervision of Chinese government,and provides an Angle for the government to carry out differential supervision on the financial system,so as to improve the efficiency and effectiveness of supervision.