The Research Of Analysis And Management On The Credit Risk Of Commercial Banks

Credit risk is one of the most important risks that the whole financial field confronts. Since the 1990s, all the financial institutions all over the world have been facing the difficulties of being accumulated credit risk. This leads to financial crisis, economic crisis and even political crisis occurring in many countries and districts. Now, the financial field in our country is also facing up to great credit risk. This has been the huge obstacle that impedes the economic development healthily, orderly and quickly. So the study on commercial bank credit risk has great theoretical significance and practical value. Firstly, this paper demonstrates conceptions and management of credit risk of commercial banks. And it analyses the situation and problems in management of credit risk of Chinese commercial banks. Secondly, it comprehensively appraises the methods, technology and models of measuring the credit risk quantitatively in foreign countries, and it makes an analysis on its application in china. On the basis of this, it constructs a management system of credit risk of commercial banks from the aspects of outside supervision, restriction system, inside controlling, micro-management means etc. Finally, it gives some advises on strengthening management of credit risk to Chinese commercial banks.