Study On Credit Risks Management Of State-owned Commercial Bank A, Shenzhen Branch

With the development of the economy, state-owned commercial Banks are playing an increasingly important role in modern economic life. As the financial market economy is not complete in our country, credit business is still the main business of State-Owned Commercial Banks, and as well, the credit risk is the most important risk that the State-Owned Commercial Banks have to face. Guarding against risks is the eternal subject of the banking development. Credit risk management of our state-owned commercial banks, with problems abound in the loan risk management system, remains in a low stage, and it's also a weak link in the risk management of state-owned commercial banks in our country. Guarding against credit risk, as well as speeding up the step of credit risk management, is one of the most important strategies of our state-owned commercial banks. This paper is mainly about researching how to guard against credit risk of state-owned commercial banks and improve the credit risk management.This paper takes the credit risk management of one state-owned commercial bank's Shenzhen branch (hereinafter referred to as A) as research object, based on an analysis of the status quo of the credit risk management in Bank A Shenzhen branch, makes an extensive study of how to consummate the credit risk management system of Bank A Shenzhen branch.First of all, it introduces the main theories about credit risk and credit risk management, including definitions, types and characteristics. Secondly, it describes the present status of credit risk of Bank A Shenzhen branch, as well as the existing problems in credit risk management. Simultaneously, it analyses the reasons leading to the existing problems from the external and internal environments of the bank. Finally, it puts forward some implement measures to the credit risk management of our state-owned commercial banks according to the facts of Bank A Shenzhen branch, in order to improve the credit risk management of state-owned commercial banks comprehensively, and uses the example to testify the feasibility this approach.