Research On Credit Risk Management Of National Business Bank Basing On Error

China opened the retail market for foreign banks on December 11, 2006, denoting the formal opening of Chinese bank market to foreign banks. Foreign banks have powerful fund, scientific management concepts, advanced management technique and strong ability of avoiding risk and acquiring profit. Therefore, it's the main difficult issues for national business banks to improve the ability of credit riskThe research on Metric technique and management method of credit risk is always focused by international society. Following the improvement of computer and information technology, many quantitative models about credit risk management are set up, which contribute a lot to the development of credit risk management technique.Following the requirement of present times and with a new idea, this thesis studied credit risk management of national business banks by combining the theory of error elimination built by Prof Kai-zhong Guo and the theory of huge system conflict. It is looking forward to provide some help to improve the credit risk management of national business banks. Basing on adequate literature review, this thesis analyzed all kinds of conflicts between national business banks and other units in detail. Then it is followed by the decision errors for national business banks resulting from these conflicts. These decision errors mainly include that by the conflicts between national business banks and government, that by the conflicts between national business banks and Central Bank, that by the conflicts between national business banks and enterprises, that by the conflicts between national business banks and the environment of society,culture,law, that by the conflicts within national business banks. Following such analysis and theory of error elimination, this thesis set up the model and sub-model about object system of credit risk management for national business banks, then built discrimination rules to judge system error and element error of object system, constructed the function about calculation error and discussed how to eliminate the system and element error in credit risk management system of national business banks.