A Brief Discussion Of The Credit Assets Risk Management Of State-owned Commercial Bank

It is a core question to manage the risk of their loans for commercial banksdevelopment.Offering credit is one of the important business of commercial banks .Althoughin the western developed countries ,the commercial banks may invest Securities suchas stock , debenture , Offering credit is not be lower than 50% in the total assets ,andit is one of core competitive force that the commercial banks compete with otherfinancial institutions. In our country where they practice separate trade business ,theloans still seizes over 70% of bank assets,Some profit of the primary banks nearlyall comes from their loans. Therefore ,it is a vital factor for commercial banks tosecure loans which affects their business results. Therefore,it is utmost important forus to strengthen the management of bank credit risks.The risk of commercial banks may be classified by several methods,thegenerally acknowledged method is to classify risks 5 types: Credit risk , Marketrisk ,Operational risk , Environment risk and Behavior risk. According to the dividingcriterion of 2003 《New Ba Saier's capital agreement 》,the risks of commercialbanks are relevantly classified 3 types credit risk ,Operational risk and market risk .After making the detailed analysis based on credit risk , operating risk andmarket risk, according to our credit management state and the case, we point out thatthe main problem in operating is too easy model of accessing credit , unsound built-incontrol system and imperfect idea and mechanism of interest rate risk management inthe article.With the case of built in control system of commercial bank in USA .Germanyand France ,we point out that the commercial banks in developed countries all havestrict procedures of authorization and examination approval in the article, that is tosay each transaction must be examined and approved by different person, theauthority of anyone couldn't be limitless, and there are mutually independent businessdepartment and clear responsibility in order to achieve the effects of double controland cross check that is requested in the built in control system .The commercial bankscan effectively guard against the ethical risk by inside audit structure which isindependent and only responsible for the senior authority structure of banks andcomputing management.In the conclusion part of the article , we point out that in order to effectively guardagainst the ethical risk, we should strengthen the construction of domestic credit macroenvironment and settle on the substantial base of credit risk management of commercialbank. Therefore, we must establish our accessing credit grade system which providebasis for credit decision ,daily risk management and much important business decision :we must strengthen, establish and improve practicable effective built in controlmechanism by which we can guard against financing risk ,especially operating risk ,thatis fundamental prerequisite and base for promoting healthy development of creditbusiness .With regard to market risk ,with the interest rate marketplace reform, weshould establish the concept of guarding against market risk, set up relevantorganization structure and management system to achieve the goal of controllingmarket risk by perfect assets liabilities management and business innovation.