Government Supervision Research On Public Credit Risk Of GS Bank In City D

One of the main sources of profits of commercial banks is the interest margin income.The loan interest mainly comes from the credit business of commercial banks,and the corporate credit business accounts for a large proportion of the credit business.On the one hand,corporate credit business can bring economic benefits to commercial banks,on the other hand,it can provide working capital for enterprises to promote the development of enterprises and social economy.At the same time,the credit business of commercial banks is also an important way for the state to regulate the national economy.Therefore,the state should attach importance to the corporate credit risk of commercial banks,and it is particularly important for the government to supervise the corporate credit risk of commercial banks.At present,China’s economy has entered a downward cycle.With the dual impact of the domestic epidemic,the economic growth has slowed down,and the risks of commercial banks’ corporate credit business have also emerged in endlessly.The risk of commercial banks’ corporate credit business is mainly reflected in the double increase of non-performing loan balance and non-performing loan rate.If the government department does not take effective regulatory measures against the increase of commercial banks’ corporate credit business risk,it will not only affect the level of social and economic development,but also lead to financial crisis.Among many commercial banks,state-owned banks account for a large proportion of corporate credit business due to their huge size,which has a great impact on corporate credit risk.Therefore,it is of great significance for the stability of the financial environment to study the government regulation of state-owned commercial banks’ corporate credit risks.This paper takes the government regulation of corporate credit risk of GS Bank in D City as the research object,using case analysis and interview methods,first of all,it fully summarizes the research results on bank regulation and corporate credit risk regulation at home and abroad in recent years,and looks for the research logic and research value of this paper;Secondly,it analyzes the current situation of government supervision of GS Bank in D city on corporate credit risk.With the method of logical analysis,it first analyzes the current situation and risk of GS Bank in D city on corporate credit business,and then studies the current situation of government supervision of GS Bank in D city on corporate credit business risk;Then,using the interview method,based on the analysis of the current situation of government regulation of public credit risk by GS Bank in D City,it points out the problems existing in the regulatory mechanism,methods,policies,resources and other aspects of the regulatory subject in D City,and further analyzes the causes of the problem;Finally,it puts forward the countermeasures and suggestions for the government supervision of GS Bank in D City on corporate credit risk.Based on the previous analysis of the status quo and problems,it puts forward targeted countermeasures and suggestions from the aspects of government supervision mechanism,supervision methods,supervision policies and supervision resources.