Evaluation of Credit Risks Existing in Chinese Commercial Bank
- 10.2991/aebmr.k.220405.287How to use a DOI?
- Credit risk; loan; credit risk management
The research is to introduce to the readers what is credit risk and how serious the credit risk is in current years. The loan can be defined as five levels in credit risk, and they are “normal loan” “concern loan” “subprime loan” “suspicious loan” and “loss loan”. Each level of the loan has a different probability of loan loss related to credit risk. In Chinese commercial banks, there were still many flaws that needed to be improved, including no targeted credit risk management methods, imperfect data processing system, and lacking talents. Aiming at the three main problems, more serious regulation to the credit risk management system, using updated equipment, and hiring more professionals can effectively deal with the problems. Although the paper analyzes and gives suggestions to only three problems of credit risk existing in Chinese commercial banks, the direction is the most important point that the article emphasizes. The research also tried to remind people of how serious the credit risk is and how urgent it is to perfect credit risk management methods.
- © 2022 The Authors. Published by Atlantis Press International B.V.
- Open Access
- This is an open access article distributed under the CC BY-NC 4.0 license.
Cite this article
TY - CONF AU - Zheng Ge PY - 2022 DA - 2022/04/29 TI - Evaluation of Credit Risks Existing in Chinese Commercial Bank BT - Proceedings of the 2022 7th International Conference on Social Sciences and Economic Development (ICSSED 2022) PB - Atlantis Press SP - 1724 EP - 1728 SN - 2352-5428 UR - https://doi.org/10.2991/aebmr.k.220405.287 DO - 10.2991/aebmr.k.220405.287 ID - Ge2022 ER -