Research On Credit Risk Management Of Local Commercial Banks

At present,the complex and changeable global economic and political environment,coupled with the impact of the new crown pneumonia epidemic,has brought opportunities and challenges to domestic development and reform.China has fully entered the "14th Five-Year Plan" period,the economy has developed to a new stage of high quality,with significant institutional advantages,rich material and human resources,broad market space,and significant economic development advantages.The bank economy has an important role in promoting China’s market economy,which can not only broaden the channels of economic development,but also maintain the stable development of the market economy,so it is particularly important to maintain the stability and development of the banking industry.This paper selects local commercial banks as the research object,combines the credit management theory of domestic and foreign commercial banks with the actual work of their own work,and finds through questionnaire surveys that there are imperfect credit risk management structures,risk identification and risk measurement methods,poor credit asset quality,failure to establish an effective credit risk early warning system,imperfect internal control system,and lax system implementation,mainly due to the special nature of N Bank being controlled by regional finances and being governed by the government.Internal factors that lag behind in internal control management and external factors such as incomplete financial information disclosure of small and medium-sized enterprises,asymmetric information between banks and enterprises,and poor credit environment are combined.Based on the above analysis of the risks and drawbacks of the current situation of N Bank,drawing on the advanced credit management experience at home and abroad,combining big data technology with the risk management of commercial banks,designing a credit risk management optimization plan suitable for the bank’s business strategy,and formulating safeguard measures to promote the landing of the plan,in order to improve the level of bank credit risk management,credit asset quality and credit business level,and hope to provide reference and help for the progress and development of China’s commercial banks.