BOC Bank Credit Risk Management Research

On the background of a certain branch of a former state-owned commercial bank (hereinafter referred to as BOC Bank), the paper studies the problem of credit risk management of BOC Banks systematically. First of all, the writing background, purpose and significance are formulated, and some theories on credit risk management are summarized. Secondly, the paper analyzes some experience of current foreign advanced commercial banks in credit risk management tools, risk identification, measurement, evaluation, control techniques and some new methods, as well as the basic framework of "Basel New Capital Protocol". According to the current status of BOC Banks,, then analyzes some main problems that exist in the aspect of current credit risk management of BOC Banks, as well as the corresponding causes of these problems. Finally, the paper discusses some strategies aiming at strengthening credit capitals' risk management of BOC Banks, and emphasized that the current BOC Banks need urgently to strengthen credit capitals' risk management and to introduce some modern tools and techniques in risk management. Moreover, the paper proposed that only through establishing a healthy risk management culture and a safe internal control mechanism, and at the same time, strengthening electronic management, and cultivating professionals and so on, BOC Banks can improve their risk management level gradually in the fierce market competition, and therefore increase their competitiveness in the market.