A Research On Customer Credit Risk Management Of The XX Bank

This thesis makes researches on the principle and application of customer risk management in the commercial bank area by way of theoretic research ,comparative research and demonstrative analysis.On the basis of current situation ,the paper focuses on analyzing the necessity, essentiality and feasibility of applying credit risk analysis in XX Bank, and makes suggestions in operating and cognitive aspects. Part one introduces the background, significance, content, objective and methods used.Part two analyzes the current situation of risk management, the current theory and connotation in commercial banks and compares the current situation of customer risk management application.Part three analyses the necessity and essentiality of application of customer risk management in XX bank.By comparing the difference of serving methods and managerial principle between the XX bank and other commercial banks to indicate the bank's slow development in the theory of focusing on customer and the urgency of the application of risk management. Part four makes feasible researches on application of customer risk management by listing series of information and innovation made by XX bank since its reestablishment as following :setup of information system, innovation of business process, foundation of functional departments and establishment of business dealing channel to indicate that the bank has possessed the basic foundation and the right opportunity to apply customer risk management.Part five reveals the problems should be resolved in the cognitive aspect and suggests that in the operating aspect, the bank should establish the corresponding department, strengthen the establishment of electronic system, provide with sufficient personnel and improve the personal quality.The last part concludes that the customer risk management theory has developed gradually along, with the changes of the competition focuses, and clue to the survey of the customer risk management application using the theory of Z-score module. The XX bank has no alternative but developing into a powerful commercial bank focusing on customer by applying customer risk management.