The Designs Of Loans Credit Risk Management Systems For State-owned Commercial Banks In Our Country

The reasons that state-owned commercial banks produce large quantity bad asset is the factor on the system and also the problems of internal management in commercial banks. The reasonable loans credit risk management system is effective guanantee against with prevent and control to the loans risk. Due to all kinds of reasons,the loans credit risk management system exists many defects in the above mentioned banks,they are affected obviously to the loans credit risk against with control.owing to this,the writer on basis of our country conditions and the loans credit risk manage objective require and oneself accumulated practice experiences over a long period of time in the stated-owned commercial banks,analyze the defect and its reasons of loans credit risk management system for commercial banks,put forward its designs conceive.This paper is divided into five parts:The first part is introduction, point out the studies background ,meaning and the paper its creative and characteristics etc.The second part pointing out the meaning of the loans credit risk and its characteristic with the concealment,long-term,complexity and results of the risk not produce immediate etc。Analyze the internal and exterior reasons of the loans risk for the state-owned commercial banks ,the internal reasons including credit policies,duty consciousness,system stipulation,examine and approve authorization etc ;the social reputation,law environment and the inconsisten with between the banks and the enterprise of information also is exterior...