Credit Risk Management Strategies of Dandong Branch of Industrial and Commercial Bank
|School||Dalian Maritime University|
|Keywords||Commercial Bank Credit risk The new Basel Capital Accord Risk management|
In the context of global economic integration, global capital flows and financial globalization has become an irreversible trend, commercial banks face increasing risk, the risk is also diversified the types of trends, and with the complexity and covert. Credit risk is the largest commercial bank risk categories of risk, therefore, credit risk management has become a commercial bank risk management in the most critical aspects of credit risk management has become a commercial bank risk management, the core content of commercial bank’s risk control ability to become a modern commercial bank’s core competitiveness.Outbreak in 2008 from the U.S. subprime mortgage crisis quickly spread to the world, evolved into a worldwide financial crisis, so far, the impact of financial crisis still fresh in the world economy has not been restored, so that people realize once again that the credit risk management importance. Collapse of the five major banks as a financial crisis triggered the study of its internal and bank credit risk management is essential because the financial crisis, U.S. financial crisis to the world sounded the alarm, but also to China’s commercial banks raised the alarm.In September 2010 the introduction of the New Basel Capital Accord III, the Chinese capital market environment has undergone tremendous changes, but also to China’s commercial banks to credit risk management has brought new challenges. After the financial crisis, central banks implement appropriate monetary policy, and because our country has always been larger than the amount of credit, management, vulnerability is too large, fully opening up the banking sector, China’s commercial banks face competition not only from domestic, also from the international, commercial banks, credit risk is not only related to the bank’s own management, but also of the entire financial system stability. Over the years, China’s commercial banks because of the special management system, credit management system, there has been a big loophole, the banking industry’s awareness of credit risk control is also very vague, resulting in China’s commercial banks’credit risk management system there is a considerable problem, we address this issue. In this paper, commercial bank credit risk management theory, combined with the new Basel Capital Accord III of the relevant provisions in the relevant theoretical analysis, based on a bank for the study Dandong, Dandong City of Industry, analyzes the credit risk of bank branches management status and problems, and through prevention methods for credit risk analysis and evaluation indicators proposed bank credit risk prevention strategies. On this basis, and to think, how to strengthen risk management of China’s commercial banks, improve the relevant system, China’s commercial banks to enhance credit risk management capabilities.