Thoughts And Strategies On Local Commercial Banks'Credit Risk Management

This thesis analyzed the credit risk management mechanism of local commercial banks and proposed measures which local banks can take to improve their credit risk management operation. Definition of credit risk and methodology & technology of risk management are introduced and determination factors of credit risks and features of local financial market are construed. Reasons for risk management disparities between local and foreign banks are studies, founded on which recommendations to local banks and local authorities are raised.