The Analysis Of Chinese Banking Credit Risk Evaluation

In recent years, along with the financial globalized tendency and money market's undulatory property aggravating, Commercial bank's risk management has been the focal point which the international and domestic financial circles pay attention. Our commercial bank's traditional business:deposit and loan business primarily, therefore, credit risk is the main risk which our commercial bank faces. To strengthen credit risk management,to improve the credit property quality, to reduce the non-performing loan proportion already become commercial bank's urgent and arduous duty.When manages the credit property, the risk estimation is the core of entire risk management process, relates the entire risk management success or failure, the overseas bank facility developed some row credit risks measure model, but speaking of our country banking industry pointed is not strong. This article carries in the present situation introduction to the commercial bank credit risk in the foundation, has analyzed the credit risk origin, and proposes solution to commercial bank credit risk. This article divides into five parts:The first part, the introduction, outlines the background which, the significance and the research technique, the portal frame construction; The second part, the general theory and the measuring technique of the credit risk,elaborated domestic and foreign in the credit risk measure aspect; The third part, the developed country bank's credit risk management practice, introduced US's Citibank and Germany's Deutsche Bank advanced experience in the credit risk; The fourth part, empirical analysis about our country credit risk management, reviews Our country banking industry credit management practice course, proposed the risk measure model that suits our country national condition; The fifth part, the conclusion and the policy, proposed the new idea the system and the technique in the credit risk management aspect.As a result of the American loan crisis and the whole world financial storm's influence, the financial risk which our commercial bank faces increases day by day. The commercial bank must face up to these risks, and constructs the bank credit risk management system as soon as possible, enhances risk recognition and control, to confirm bank's healthy development.