我国商业银行信用风险管理问题分析（Analysis of credit risk management of commercial banks in China）.docVIP

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我国商业银行信用风险管理问题分析（Analysis of credit risk management of commercial banks in China）.doc

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我国商业银行信用风险管理问题分析（Analysis of credit risk management of commercial banks in China）

我国商业银行信用风险管理问题分析（Analysis of credit risk management of commercial banks in China） Analysis of credit risk management of commercial banks in China Abstract: with the acceleration of the process of economic and financial globalization, the risks faced by the banking industry are becoming increasingly complex. Among them, credit risk is the main reason that leads to lower quality of bank assets and liquidity crisis. In this paper based on the analysis of credit risk of commercial banks in China, analyzes the credit risk management of commercial bank, and puts forward the policy suggestions on how to improve the level of credit risk management of commercial banks in china. First, the basic situation of credit risk of commercial banks in China (a) the non-performing loans continued to double down, but the asset quality worries remain According to Chinese CBRC table of regulatory indicators of commercial banks (legal person) statistics show that as of the end of 2011, according to Chinas commercial banks non-performing loans 427 billion 900 million yuan loan classification level five, representing a decrease of 5 billion 700 million yuan, the NPL ratio of 1%, representing a decrease of 0.1 percentage points over the same period last year, non-performing loans continued to double down. According to the points of view, the total balance of non-performing loans of large commercial banks and joint-stock commercial banks still accounts for a relatively high percentage (84%) in the balance of non-performing loans of commercial banks. In addition, it is worth noting that the balance of non-performing loans in urban commercial banks and rural commercial banks has increased by 1 billion 300 million yuan and 7 billion yuan respectively over the same period of 2010. The non-performing loans of commercial banks continued to double down, to a certain extent reflects the reduction of the credit risk of the stock size, but for our country should take full account of the total national p