Research On Collateral&Gurantee Loans In China's Commercial Bank

At present, the credit risk is the main risk in our commercial bank, thus the credit risk effective management is the key to the bank risk management. Although in the New Basel Capital Accord released in 2004, the credit risk mitigation mechanism is founded, fewer pay attention to it. Therefore, to study the influence of this mechanism on bank's risk management has the important theoretical and practical significance. On the basis of overview of the present relative research, the paper analysis the credit risk mechanism in the New Basel Capital Accord in detail with the definition. Furthermore, it discusses the development, the risk existed, the reason and the performance of risk in our country from our practice. The paper analysis the status of credit risk mitigation mechanism in our country through the case studying and the risk studying, including legal risk, credit environment risk, enterprise risk, bank risk and the intermediary agent risk. On the basis of the above studying, the paper researches the particularity of the mechanism in our country from the historic aspect. And it denotes that the reason of the particularity is that the enterprise relies on the bank loans excessively and the enterprise expansion is irrational. Finally, it gives suggestion on improving our credit risk mechanism from system environment, the operational standard and the residual risks aspects.