Reviewing Commercial Banks' Credit Management Strategy Adjustment From The Aspect Of Enterprise Credit Management

Bank credit is the main part of the credit system and the basic form of credit as well. Enterprise credit contains enterprise credit and bank credit is also a special kind of enterprise credit. Bank credit refers to that financial institution provides individuals or legal persons with credit and is presented in the form of loaning extension and taking deposits. Bank credit has the characteristics of comprehension, extension and indirection. As one of the credit institutions, commercial bank's main business is managing currency and capital. Financial risk was unavoidable during the process of capital running. Enterprises in market economy are very important customers to commercial bank and corporation, of course, is one of the reasons for bank credit risk. Commercial bank has to take the influences of enterprises in the strategies of defusing credit risk and credit management, especially credit standard into consideration.The thesis includes four parts. The first part puts great emphasis on the present condition of credit management of enterprise credit and primal problems lied in the process of credit management. In addition, this part also analyzed the form of lacking of credit of Chinese enterprises and harm of lacking of credit. Part two analyzed how all major banks doing bank credit and some problems exposed during the process. The reason and measurement of the forming of bank credit risk and credit risk is the main part of the chapter. The third part mainly illustrated how delinquenent conduct can increase bank credit and effect of credibility of enterprises to capital investment. Asymmetry Information theory and Break Pane Law of information economics were adopted in the analysis. Based on the previous analysis, the last part of the thesis aim to find the way to solving the problems. The purpose of the thesis is to provide some positive suggestions and methods on present commercial bank credit management, especially on how to prevent and defuse bank credit risk caused by bad enterprise credit.