Construction Of Credit Risk Management System On Commercial Banks

Credit risk is the oldest and primary form of risk that the commercial banks are facing, however, the management of credit risk remains, to a substantial degree, a kind of cot tang industry. The revolution on the credit risk management tools in modern financial risk management. This paper focuses in the internal management of commercial banks, and aims at building an integrated credit risk management system of commercial banks.This paper is divided into five parts. Part one ,the background of research, describes major developments on the credit risk management of commercial banks at home and abroad .Part two includes chapter 2, which gives a brief introduction to credit risk management of commercial banks .Starting with a lucid analysis of the concept and cause of credit risk ,and discuss the importance of the credit risk management of commercial banks.Part three includes chapeter 3,which introcuce the canse of the credit risk of commercial banks in china,and discuss the problem of the credit risk management of our cammercial banks.Part four consists of chapter 4 ,chapter 5,chapter 6 and chapter 7.Chapter 4 discuss the factors which impact the commercial banks credit risk,and analyzes the composing factors of the credit risk manage,establishes a management system of a commercial bank credit risk. The system includes three subsystems, the evaluation system, the inner control system and the credit culture system.Chapter 5 focus on the evaluation system,and establishes the index system of credit risk evaluation. The analytical hierarchy process method and fuzzy evaluation method are used.Chapter 6 focus on the inner control system,and discuss the organization structure and the regulation system of the credit risk management of commercial banks.Chapter 7 focus on the credit culture system,and discuss the impact of credit culture in credit risk management and the measure of strengthening credit culture of commercial banks.Part five includes chapter 8,which focus on credit culture of commercial banks,and discuss the measure of strengthening credit risk management of commercial banks.