A Study On Credit Risk Control Of Commerclal Band Based On Process Of Credit

Commercial banks are of special importance in our financial system, their healthydevelopment directly relates to China's national economic development and stability. Creditbusiness is commercial bank's core business, and credit risk is the main risk. The credit risk oftraditional commercial bank in china is lack of systematic and low control level, results inrelatively poor credit asset quality, then seriously affects commercial bank earnings andhealthy development.Commercial bank's credit risk is produced in the whole process of lending practices. Thepaper uses the whole logic analysis, comparison analysis and empirical analysis method forcredit risk to commercial bank's credit business process, researches the credit risk and itscontrol, aiming to provide scientific design of the credit risk control business process andrigorous practical operation norm for credit risk of commercial bank in china, Firstly, thepaper summarizes the existing research results and relevant theory research at home andabroad, and analyzes the situation of our country commercial bank credit risk andmanagement; Taking the current credit business process of China's commercial Banks asobject on the former basis, separately from the two sides of the process Settings and specificoperation content, the paper analyzes the major business process, such as the creditapplication, survey evaluation, examination and approval, loans and credit management, Thenindicates the main problems and risk in the current flowing diagram of credit business settingsand specific practices in commercial bank, and designs a credit business flowing current incommercial bank. perfects and regulates the flowing diagram of credit business at all stages ofthe specific practices, puts forward corresponding measures and countermeasures; Finally, thepaper takes the Xi'an high-tech sub branch of china construction bank as the object, andinspects the research achievements of credit risk control, to realize the integration of theory and practice.