A Research On Credit Risk Management In Commercial Banks Under Opening Situation

China has been completely fulfilling her promise to open domestic market for foreign banking industry after December, 2006, which indicated 5-year interim ended from that time. China's financial market entered a new opening period. It means national banking industry will benefit from the opening situation get new opportunity for its development and face new risks as well as challenges. The credit risk is always one of the main risks that the banks face. So the banking supervision should meet higher requirements.Because of this, this dissertation combined standardize analysis and real example analysis . The thesis based on actual conditions of the banking of our country, and the content of the credit risks management—measure, control and treatment of credit risks are threads. At first, the thesis analyzed the form of the credit risks of domestic commercial bank and reason in the economic background after the banking opens in an all-round way. Then, on the basis the compare of several modern model of credit risks measure, choose to the most suitable KMV model to reveal the changes of credit risks of those represents enterprises based on the data before and after open in an all-round way. Meanwhile, combining the credit rating theory will carry on relevant revision to KMV model, so that it is suitable for credit risk management of commercial bank of our country under the background in an all-round way. This text still tries to put forward several suggestion of improving credit risk management which suits the commercial bank of our country.