Credit Risk Management Research Of Bank Of China Panjin Branch

China banking since entering the since the reform and opening up, on the one hand, continuously improve their level of development, on the other hand are constantly learning and learning international banking advanced experience, through external intermediary strength, introduce famous risk management system, the integration of domestic banking risk. management system, improve risk management business processes, such as credit audit formulated the separation of credit system, inter-constraint post Settings, strengthen internal supervision and audit risk management system, in risk management got certain development.Along with the development of the financial industry, banking gradually opening to China's commercial Banks will face more opportunities and challenges and risks are relative increase; Now the banking is toward diversified businesses and internationalized business direction, bank management of risk involved also appeared diversification, the complication tendency, especially for our country commercial bank will tell, loan business accounted for 70% of business assets, interest income account for intermediate of Intermediary business income 80%-90%, we must attach importance to and take relative bank risk measures, especially to quickly finish credit management system reform, improve market sensitivity, enhance core competitiveness.This article from the reality of Bank of china Panjin Branch, first to commercial Banks of risk and risk management is also briefly introduced. Includes bank risk management concepts, contents and characteristics. Secondly analyzes the risk management of Bank of china Panjin branch status quo, points out a series of problems are restricting merchant bank, which attempt to propose the development of perfect Bank of china Panjin Branch risk management countermeasures.