The Research Of The Application Of Credit Risk Analysis & Management On Controlling The Increment Of The Bad Assets In State-owned Commercial Banks

Chinese bank must be faced huge impact and menace from the banks overseas, because of the entrance of China to the WTO. Additionally, within four commercial banks, there is much pressure of vast Bad Assets, which has come into being resulted in many different reasons. Since this, it is critical to control the increment of the bad assets.In this thesis, based on the status quo, the true data was provided. Analyzed the current way and the effect of dealing with the existing bad assets, researched one of the ways to deal with the bad assets deeply, the conclusion was reached, that is this way is not the ultimate way to deal with the bad assets. The critical to dispose the bad assets is how to control increasing bad assets. Then there is the center of this thesis educed. To analyze credit risk is the first step, and to manage credit risk is continuance.In this thesis, many kinds of methods of analyzing or managing credit risk were presented with little cases or examples. In the last chapter, summarized the primary problems and the character of credit risk existing in Chinese state-owned commercial banks, one method was found which is suitable to Chinese state-owned commercial banks——presentiment system of analyzing & managing credit risk. At the end of this thesis, some feasible suggestions have been provided.