Study On Objectives Of Bank Credit Management And Risk-Control

Recent years, Chinese enterprises have developed rapidly, the number and size are both expanding rapidly, also at the same time a huge demand for funds is produced, but because China's capital market is not yet developed, and it is still mainly rely on bank loans. On the other hand, credit is still the main source of profits of Chinese commercial banks; and the credit has always been the main business. However, the current credit risk does not only exist but also have a wide range, the ratio of non-performing loan and credit risks are relatively high. In the future, in the market of fierce competition, if we want to have a place in the market, it is necessary to strengthen credit risk management, strengthen the management of assets and liabilities, establish loan pricing system which is fit for the development of enterprise.As one of the state-owned commercial banks, it's healthy, sustained and sound operating development is of great significance to the country's stability of economic situation and financial security. From the current credit status and characteristics, then expatiate the existing credit processes, credit metrics and ratings, pricing loans, asset-liability management and other important aspects that are related to the credit risk management, from the profit function of credit, we educe the ideal goal of risk management, and compare the goal with the current status of credit risk management to find deficiencies and learn from foreign advanced experience, we put forward the approaches to reach the goal of credit risk management, but even the banks do a good job in several aspects that mentioned above, the information asymmetry between banks and enterprises that exists objectively will deviate from the objective of credit management, for this asymmetric information risk, the article also proposed solutions and recommendations, we should learn from foreign advanced risk management model, and it also must satisfy China's banking and economic development needs, then achieve the desired objectives of credit risk management.