Abstract: Credit risk is the major commercial banks are facing one of the risks, to enhance the credit risk of commercial bank management commercial bank one of the centers, for the current sub-prime crisis, case development and spread of commercial bank credit in China increased risk of the possibility of a correlation analysis, and on how to strengthen credit risk management of commercial banks, some countermeasures and suggestions.
Keywords: commercial banks; credit risk management; sub-prime crisis
risk management is the core of modern commercial bank management, credit risk is the major commercial banks are facing one of the risks, in the current circumstances, in particular, Chinese Commercial Banks in credit risk management, because: First, commercial banks deposit and lending interest rate or the current operating revenue of China's main source of profit, increased credit risk will reduce the bank's profitability, deteriorating asset quality of banks, increasing bank bad bad debts, making it difficult for banks; Secondly, in the development and spread of the subprime crisis, China's economy has suffered deteriorating business environment, profits fall, makes worrying financial situation of enterprises and the decline in credit quality, increased business in China Bank credit risk. Therefore, in the present circumstances, concerns the further impact of the subprime crisis, monitor the quality of bank assets to prevent large numbers of bad loans banks bad debts and strengthen credit risk management of banks is essential.
2008 年 9 months to Lehman bankruptcy and the two rooms were taken over as the symbol of the U.S. mortgage crisis entered a more serious period of rapid impact on the global financial markets, making a severe global financial markets turmoil Central banks have cut interest rates and capital injection to stabilize financial markets and restore investor confidence. China has also been the sub-prime crisis and the enormous impact, mainly as follows: (1) our government's macroeconomic policy objectives has greatly changed from the beginning of the double anti-(anti-inflation and anti-overheating) to the years in a defense of a security (anti-inflation and ensure economic growth) and then to one end of the year Paul (Paul of economic growth), and now dual protection (protection of employment growth in insurance); (2) macroeconomic policy, great changes have happened to monetary policy tightening monetary policy by the change to a moderately easy monetary policy, fiscal policy, expansionary fiscal policy was introduced, expanding government investment spending, reduce taxes, increase export subsidies; (3) China's economic growth slows, corporate prepared for the winter, Note the sub-prime crisis has begun to affect the real economy, companies have an operating difficulties and the lack of liquidity, especially in the export business, require substantial financing. Under the present circumstances, the bank loan financing is the best choice.
In China's economic growth slowdown, China's commercial banks face significant credit risk, mainly in the following points: (1) of the original loan is facing increasing credit risk. As the subprime mortgage crisis, economic slowdown, many enterprises have been reduced orders, inventories increased, production declines, cash flow difficulties and other operational problems, even bankruptcy, especially SMEs, making the commercial banks have lent amount not expected to recover, these loans with the subprime mortgage crisis on the real economic impact of the deepening of the credit risk is increasing. (2) the credit risks of new loans. As the financial crisis caused by the macroeconomic downturn, the difficulties of business will be growing its business risks will increase, of course, the credit risk of banks to lend to them the greater. In general, the financial crisis, as banks insist on credit approval criteria will appear Stinting scene. But China's commercial banks are basically state or collective ownership, in front of the national policy, commercial banks will reduce the loan approval conditions to support enterprise development and economic development, Ru Wei did not strictly comply with the conditions of the operating difficulties of the corporate loans or lower levels of credit SME loans, even to meet the country's industrial policy, as the risk is great for industrial restructuring loans to enterprises or new enterprises. (3) during the financial crisis, the social value of the assets shrink, which can lead to all kinds of commercial bank credit assets, and increased risk of occurrence of an event of default if true, is difficult to protect bank assets, increasing the degree of loss. For example, mortgages and collateral loans, if the loan defaults, or pledge property as collateral assets shrink, can not fully settle bank loans, bank losses will occur.
Based on the above analysis, financial crisis, China's commercial banks to increase credit risk, to the sound operation of banks, is bound to strengthen the bank's credit risk management, this makes the following recommendations.
1 to strengthen the stock of commercial bank assets, loan assets and the quality control of new loans
not due to the stock of loans to assets, should closely monitor the production and business operation, should different situations differently. If the production is no market for products. Production lagged behind, should agree to its bankruptcy, and bankruptcy liquidation to preserve or reduce the loss of bank assets; If the business potential for development, there is only a temporary financial difficulties, banks should be allowed to apply for the loan extension, and even its new loans to help them tide over their difficulties, companies save the bank's assets also secure, this is a win-win results; for some other specific business, banks can take to increase security and reduce credit risk by way of security.
For the upcoming release of new loans, bank loan approval conditions should be strictly implemented to strengthen the bank's internal control system and strengthen the external monitor, make credit before the investigation and review, and strengthen commercial bank risk management process and methods of supervision and inspection of and guide the establishment of a sound banking system of internal risk assessment. Should take the initiative to gain support large-scale projects of national construction Di loans, for the reduction of credit conditions for state policies and support for SME development policy, national policy bank Ying Zhi Yin Xia, Zhi Ding out their own specific measures and Xize Gengwei for Shue larger loans, syndicated loans should be organized to diversify credit risk.
2 effort to reduce the credit risk management costs, improve efficiency
Credit Risk Management Credit Risk Management of Commercial Bank's main problem is to manage the high cost and little effect, mainly in two aspects: First, information technology support behind, Chinese commercial banks to keep increasing the input of the information system. Makes information management extends to commercial banks in all aspects of business management, establish a powerful information database, the implementation of credit management and management of quantitative analysis, thereby reducing the cost of credit management, credit management to improve the timeliness and accuracy; second credit behind the risk management system construction, we must strengthen the system construction, to build a comprehensive, full-process efficient, standardized system of credit risk management, credit risk management system should include credit risk management, organizational systems, policies, systems, decision-making system, evaluation system, etc , which is especially important to strengthen credit risk management organization system, and establish effective supervision and mutual credit risk management organization system is to improve our efficiency in commercial banks in credit risk management key.
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