The Research Of Commercial Banks Credit Risk Management

At the very beginning, credit risk become main risk, because of the characteristics of the bank's "main business ".Currently, the developed countries becomes more and more mature in identifying, controlling and evaluating risk, but the level of credit risk management of local commercial bank is still far behind. Since our country join in WTO, economy reform is going further and further, the cancel of restriction of Renminbi business to foreign property banks, the local commercial bank will face unprecedented impulsion. To resisting credit risk, promote the bank credit property quality, realization steady management, we have to strengthen credit risk management of research, exaltation commercial bank to letter identify of loan risk, control, handle ability.This paper has reviewed and analysised west countrys' commercial bank's risk management theories. The risk management of the west commercial banks mainly include three part. One is the frame of the risk management. The second part is a west commercial bank credit risk management theories. The last parts is a west commercial bank credit risk measurement method.This paper also analysised our country's credit risk management which was being carried on. The contents has two levels. One is the key problem of our country's commercial bank credit management. The other is key problem of the credit management of Tangshan commercial bank .The application of credit risk management technique .The contents of this part has two levels. One introduced the excellent credit risk management technique in west commercial bank .The other introduced our country commercial bank's creditrisk management technique..Research conclusion and suggestion. The credit risk management involves management environment, management technique, management process, credit policy etc. Promoting the loan risk management of the commercial bank letter level is a system engineering, commence to adopt measure from several level, suggestion the main measure is perfect credit risk management currently the related mechanism of the kit, perfect credit risk management process, excellent turn organization structure.The method of thesis adoption: literature research, demonstration analysis.