The Problem Of MM Commercial Bank Credit Risk Management And Counterplan Research

Credit risk is one of the risks that commercial bank face. credit risk will not only bring to commercial bank to lose with result in thecommercial bank' s bankruptcy, even cause the financial crisis of a nation with the economic crisis.Now, The level of our country commercial bank risk manage is widespread and lower, and the bad loan rate of whole bank system is higher, far higher than international warn line.On the foundation of looking into large quantities of data and making investigate and research in a commercial bank's credit risk management, I find out some credit risk problem, and bring up the problem-solving way.I have studied credit risk calculate model, Enhance the credit risk management from prevention, calculate, direct, transfer, dissolve four aspects, make whole process risk management come true.This text is divided into four parts.Firstly, I analysis the necessary to enhance commercial bank credit risk management in our country, also, I introduce the condition of credit risk manage in domestic and abroad.Secondly, I investigate and study a commercial bank, introduce the circumstance of credit risk management of the commercial bank.Thirdly, I point out the problem that the commercial bank exist incredit risk management. And analyse the reasons that the commercial bank cause so much bad loan.At last, I bring up some measures to improve the level of credit rist management for MM commercial bank for example, At present, there is some mistakes of measure credit risk in commercial banks in our country, I bring forward the application of Fuzzy Comprehension Decision Method to Assessing commercial bank risk control. Basing on the disciplinarian of bad loan, i bring forward the way to debase the risk and take back the interest and corpus.