A Research On The Credit Risk Management Of Commercial Banks

There are a lot of the risks of the banking industry, is a high-risk industry, the banking industry as an independent industry sector, is the core of the financial system and credit of the main acts. Bank and closely related to daily life and, more importantly, in recent years faced by the banking crisis. These crises will not only shrink the public assets, and may even cause social panic, causing social instability, disrupt the Council. In recent years, a number of ways to dispose of a considerable number of non-performing assets from the banking sector's own view, not yet from the system, the fundamental mechanism of non-performing assets to solve new problems, from an international point of view, the credit risk from the banking sector lenders, bond issuers and derivative products, the possibility of counterparty default. China's commercial banks and credit risk management is relatively perfect, but with the international big banks than there is the gap, and credit rating system also has just begun. Therefore, credit risk management research, China's commercial banks to improve credit risk management, is China's commercial banks to resolve an important issue.Papers at home and abroad to collect information in accordance with the systematic study of commercial bank credit risk management theories and methods, and from the practical problems of commercial banks, the Commercial Bank of China's credit risk management system of exploration and research, at the same time to strengthen our country commercial bank credit risk management.Future competition in the banking sector will focus on the ability to expand risk management, risk management capability to become the core competitiveness of the bank constitute the core elements of banking financial institutions and the source of profit risk is the risk premium, so to strengthen the internal control mechanism, and enhance risk prevention ability to become a modern commercial bank to cultivate the core of an important aspect of competitiveness. Therefore, economic integration with the global financial market to gradually increase the level of today, coupled with the pace of China's reform and opening up the deepening of international banking risk transfer mechanism, through the strengthening of commercial banks in the internal management and control of commercial banks to improve risk management corporate governance structure it is important to guard against the risk of commercial banks and the supervision and management of the banking sector at home and abroad has become the primary issue currently facing. This is the purpose of this paper and important topics of practical significance.This article is divided into five sections:Part I: Introduction, this article discusses the background and significance of the topic, literature review, as well as the creative thesis. Draws out why through this part the Commercial bank to strengthens the credit risks management under the current economy the importance.Part II: Introduction of credit, credit risk, credit risk and the commercial banks of the concept of the causes of credit risk and credit risk of commercial banks of China's main features are classified as an example for China's commercial banks for credit risk management has contribution.Part III: Analysis of the commercial bank's credit risk management of the key strategies, namely, decentralization of credit assets, credit asset securitization, credit risks and credit risks and hedge the compensation and protection strategy. The article summed up the four strategies, respectively, the theoretical basis, and to our country as an example of assets among China's commercial banks and credit of the use of compensation and protection measures.Part IV: From this point of view of risk management in light of Australia, Deutsche Bank advanced risk management experience and foreign commercial banks on credit risk management from the practice, through the part of the summary and overview of seeking to improve the competitiveness of Chinese banks.Part V: Summary of China's commercial banks still had those bad situation and problems. From aspects and so on internal control, exterior supervision, credit rating system had discussed our country Commercial bank credit risks aspect insufficiency. Mechanism to guard against credit risk in building and improving this part of the main papers from the internal control and external supervision, such as credit rating raised three areas to build and improve credit risk prevention mechanism and the proposed path.Therefore, the commercial banks in reducing the risk of bank credit or decentralized at the same time, it might even generate a new potential credit risk, therefore, commercial banks and credit risk management must be closely integrated together to improve the competitiveness of banks.