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本篇paper代写- Commercial bank credit risk讨论了商业银行的信贷风险。信贷风险危机主要是源于不良贷款。商业银行不良贷款比例越高，放贷的款项收回的风险随之就加大，最终其信贷风险对银行的经营发展都会带来消极影响。为此，商业银行需要建立有效的专业化风险管理部门，对信贷业务的过程监控管理，实行独立的审贷分离制度，加强贷后检查力度，从而有效的发现防范信贷危险，提高信贷防御的意识。本篇paper代写由51due代写平台整理，供大家参考阅读。

The main risk is the oldest banking credit risk, credit risk is mainly refers to the Banks have put money outside, or because of usurer cannot repay maturing behavior such as bankruptcy, default within the time limit, dull or bad loans or financial crisis or volatile markets and Banks internal law enforcement problems caused by the loan is difficult to recover the principal and interest on time and the possibility of bank interests damage. Effectively preventing the credit risk of commercial Banks is an important task for the stable development of financial security and financial industry.

Credit risk management is the core of the bank's risk management, credit risk management mainly through risk identification, measurement, monitoring and control procedures, the risk rating, classification, report and management, keep the balance of risks and benefits of development, improve the economic benefits of the loan. The key factor of the weak competitiveness and profitability of commercial Banks in China is credit risk management. From 2011 to 2017, the economy has taken an "l-shaped" into the "new normal of the economy". In the context of deleveraging and destocking, this will also bring bad pressure to the banking industry. Due to the complexity and instability of the financial environment, the banking industry is confronted with multiple challenges of the overlapping resonance of credit default and liquidity risk in the traditional field, and the overall risk situation is still complex and serious. In this context, China's commercial Banks must improve their management technology and establish credit risk management system, and strengthen the risk prevention and control ability to enhance the competitiveness of Banks.

The credit risk crisis stems mainly from bad loans. The higher the proportion of non-performing loans in commercial Banks, the higher the risk that the loans will be repaid, and finally the credit risk will have a negative impact on the bank's operation and development. The following is an analysis of the non-performing loan ratio of China's major state-owned and joint-stock commercial Banks from 2011 to 2016.

As can be seen from table 1, the non-performing loan ratio of both state-owned commercial Banks and joint-stock commercial Banks is on the rise. The problem of non-performing loan ratio in Chinese Banks originated in 2011, floating? F in 2015, because kaisa caused a wave of credit defaults in the real estate industry, increasing the risk of bad loans. In 2016, the focus of government regulation is to increase the non-performing loan ratio of Banks in the background of production capacity and inventory. Economic cycle and there is close relationship between banking non-performing loans, because our country is in economic shift economic downward pressure rising non-performing loans, economy enters the new normal, bad bank loans rose to 2% to 3% range. The credit risk of banking industry is still a problem that cannot be ignored. The main task facing commercial Banks at present is how to enhance the credit risk prevention while pursuing the maximization of benefits.

Throughout the international bank, mostly have how matrix structure system of internal control, risk management of bank internal control system in our country to draw lessons from foreign Banks internal control management system construction experience, actively establish suitable for effective internal control structure model. Our country commercial bank credit risk management of the apparent lack of effective in credit risk management as the center, closely linked with the credit department operation mechanism of the risk of internal management system and organization system. Domestic Banks an urgent need to establish an effective professional risk management department, the credit business process monitoring and management, the independent system of the separation of approving strengthen post-loan inspection, found to guard against credit risk effectively, improve credit defense consciousness.

The effective credit management method is an important link in the credit management process of commercial Banks. In the face of the complex and changeable operating environment and the increasing risk prevention and control pressure, China's commercial Banks' awareness of strengthening risk management has been improved. Qualitative analysis method and traditional static ratio analysis method are the common methods used by commercial Banks to measure credit risk. In Chinese commercial Banks credit risk identification is highly affected by the subjective judgment factors on the lack of quantitative basis, should be strictly access to credit, credit policy as customer approval, credit approval and credit important decisions based on the allocation of resources, optimize the supply of credit, gradually improve the credit structure. The effective identification, measurement, monitoring and control of loan risk has promoted the standardization of credit and the improvement of quality. The comprehensive risk management of commercial Banks in China will be a difficult and persistent task, which requires the coordination and cooperation of various departments of the bank.

To keep non-performing loan ratio regulation index, Banks will take the way of bad loans transferred to reduce non-performing loans, Banks have been attaches great importance to the risk of non-performing assets, mainly from two aspects to solve this problem, on the one hand, for some credit risk industry to speed up the exit; On the other hand, cash recovery, loan restructuring, batch transfer, non-performing asset securitization and other means to dispose of existing non-performing assets. Also require Banks to credit risk management personnel should pay attention to improve the quality of loan assets classification accuracy and master authenticity, grasp the amount and timing of exposure to avoid cause new risks and problems.

Effective credit risk management internal control mechanism construction is an important content of risk management of commercial Banks. Commercial Banks should improve the internal governance structure, establish a qualitative and quantitative management evaluation system and credit risk management system, and establish a set of implementation plans to prevent credit risks. China's commercial Banks are in charge of the auditing department of credit supervision, which is directly under the leadership of the President, and the status and functions are not independent, so it is difficult to effectively supervise the decision-making of the bank. Commercial Banks should establish an internal control organization structure based on the internal control functions of various departments, internal control functions of the legal compliance department, and internal audit supervision of internal audit.

Commercial Banks should adopt innovative credit risk management, to use more of the credit risk management tools in the first place, to prevent credit risk is the most critical first step is accurate, the purpose of corporate loans to the borrower's credit risk quantitative work, to determine the enterprise whether it has enough economic strength to future payment and determine whether to grant loans. Secondly, we should improve the current quantitative methods of credit risk and establish a scientific credit risk measurement model and a scientific credit risk warning system.

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