'New Loan Regulations' and Improvement of Microcosmic Foundations for Risk Management of China Commercial Banks

摘要

To improve the microcosmic foundations for risk management of commercial banks, the regulators of China have issued "new loans regulations", which consist of multiple measures and have reinforced the whole process management in the areas of capital sufficiency evaluation. loan operations, and so on. These new regulations intend to solve the common problems in credit management in China commercial banks, such as loan misappropriation, excessive credit, contract management deficiency and weak after-loan credit management.