The Credit Risk Management Research Of Xx Branch Of China Construction Bank

The banking industry gradually intergrated the financial globalization advancement with China entered the WTO, especially China's opening its banking market enrollment completely in the end of 2006, the foreign commercial banks will officially enjoy the national treatment in China. As they have the superiority of technique in the risk management,Local bank will experience fiercer competition. Therefore, it is obviously urgent and important for China's banking industry to make a research of the credit risk management and improve the technique level in the risk management.Due to more than one hundred years' practices, western commercial banks have accumulated rich experiences in the aspect of credit risk management. Therefore, the essay first introduces about the characteristics and advantages of the western bank credit risk management methods. Then, I gave a description of the current problems the domestic banks face in this aspect. Finally, guided by the idea of "adjusting measures in different local condition" and with regard to our specific phase of the economic system transition and the social cultural characteristics, I design a timetable according to which we can efficiently drawing on the experiences of western bank credit risk management methods.