Research On The Credit Risk Management Mechanism Of The State-owned Commercial Banks Of China

State-owned commercial banks play an important role in China's economy. They are not only making great progress in business but also facing enormous credit risks. This paper makes thorough analysis on commercial bank credit risks control academically and practically.Based on several years' working experience on credit of the state-owned commercial banks, the writer thoroughly analyzes the problems of the credit risk management mechanism of the state-owned commercial banks, then gives the way to built and perfect credit risks management mechanism of the state-owned commercial banks.This thesis can be divided into five parts.First , the writer explains the concepts of the risks, credit risks, credit risk management and credit risk management mechanism, explains the major parts of the credit risks management mechanism. And the author thinks that credit risks management mechanism is a system , which include four sub-systems : identifying and measuring credit risks system, controlling credit risks system , alarming credit risks system .solving credit risks system.The second part, the author stresses it is necessary for the state-owned commercial banks to improve credit management mechanism.The third part is the overview of the state-owned commercial banks credit business situation. It states the problems and difficulties in credit risk management mechanism to stress the importance to improve the risk management.The fourth part introduces experience of management mechanism of credit risk in the Western countries . And it puts forward the concerned...