The Case Study Of Credit Risk Management In Construction Bank Of Xinjiang Branch

Credit risk is one of the most important operation risk of commercial banks. So it is very meaningful to recognize and define it correctly, and to manage it effectively.This paper first introduces the meaning of credit risk as well as its characters and then analyzes the main factors that influence credit risk.Referring to the practice and experience of other countries banks credit risk management, this paper gives a brief introduction of the commonly used measurement method of credit risk in the world and describes several used management method of credit risk in the world such as constructing credit rank system and using credit derivatives,etc.At present, our state-owned commercial banks'asset is in poor quality. Our state-owned commercial banks confront with enormous credit risk. This paper analyzes the current credit risk of our state-owned commercial banks and its reasons, and then introduces the present credit risk management methods.After pointing out the deficiencies of our country's commercial banks'credit risk management, this paper puts forward several ideas to enhance it with regard to the popular credit risk management methods of the world. I hope these ideas could possibly be helpful to our country's commercial banks'credit risk management.