A Research On The System Of Credit Risk Management In The Four Largest Government Owned Commercial Banks

Credit operation is the most basic and traditional business of the bank. Since China's economic reform and carrying out of the open policy, especially after Commercial Bank Law of PRC and General Regulation of Credit Loan were promulgated, Banks' loan business has entered a new stage of development in china.In 1997, it is the four largest government-owned Commercial Banks who first established a unified credit granting system and implemented the credit system reform, which had an operational system of unified credit granting, job division of examination and granting loans, different level's examination and approval, and seperation of responsibility and power as its main content.This thesis not only analyzes the current system of credit risk management in the four largest government-owned commercial banks, but also presents suggestion on its development and improvement orientation.There are 3 main parts in this thesis:First, to research on the condition of credit risk management system of the four largest government-owned commercial bank, and point out the reality and urgency of building credit risk management system;Second, to find out the weakness of current credit risk management system which needs to improve according to the experience of foreign banking industries.Third, to point out the significance of building and perfecting credit risk management system with suggestion and advice on the current system of credit risk management in the four largest government-owned commercial banks.