银行信贷风险分析

贵州大学科技学院本科毕业论文（设计）第Ⅱ页Bank credit risk analysisABSTRACTCommercial banks are asset and liability management enterprises,which bear theimportant link and corresponding risks in capital circulation.Credit risk,mainly credit risk,the sustainable operation of commercial Banks,due to the difficulty of risk itself managementand control,in recent years,affected by the national policy,the bank of capital adequacy ratio,non-performing loan ratio put forward higher requirements,how to strengthen the regulationof credit risk,rationalize the influence of spread risk has become a hot topic of The Times.Atpresent,most commercial banks in China have realized the importance of credit risk controland reduce the probability of loan risk by establishing a perfect credit risk managementsystem,but they still face many challenges.Therefore,it is necessary to further enhance theability of bank credit risk management.In this paper,Guiyang Bank takes the research object,analyzes the existing problems from the commonly used credit risk indicators,and putsforward feasible suggestions according to the current situation of market development inGuiyang City.Guiyang Bank is located in a relatively developed regional economy,and has ahuge demand for credit under the big data financial environment.On the one hand,the creditexpansion of Guiyang Bank is fast and the operation quality is good;on the other hand,underthe background of inclusive finance,Guiyang Bank,as a rural commercial bank,should takethe initiative to base on the local area and vigorously support "agriculture,rural areas"andsmall and micro enterprises.This shows that the credit operation of Guiyang Bank has certaincomplexity,and the credit risk management of Guiyang Bank has important practicalsignificance.On the basis of analyzing the common indicators of credit risk of commercialbanks,taking Guiyang Bank as the research object,starting from the common indicators ofcredit risk,this paper analyzes the development status of credit business of Guiyang Bank andthe risk management problems,and puts forward feasible suggestions according to the current