The Research On Credit Risk Management Of Commercial Banks Of China

In modern economy, the bank as finance intermediary, has become the main center of economic activity, its antenna widely penetrates in each department and corner of the economy and society. The bank management is highly dependent on the outside capital, therefore the bank is facing a greater risk of paying debts with its assets than the general industrial and commercial enterprise. The credit business is main business of the bank, its risk becomes concentrated expression of various risks of bank.As China's financial markets and foreign financial markets becoming increasingly integrated, China's financial market development is inseparable from boom or bust of the global financial markets. Subprime crisis triggered the financial tsunami, caused the external environment of Chinese financial industry development to worsen. While sharing the benefits of globalization, China must bear the risk and cost which arise from global economic integration. Under the financial storm background, the future benefits and possible losses of the commercial bank, to a certain extent, depend on capabilities of credit risk management. If the commercial bank doesn't pay attention to the risk management of credit assets, and forms a large number of bad debts, it will find its ability to resist the risk of a sharp decline, the fate of collapsc and bankruptcy is in the offing.This paper, which is based on understanding the relevant theory of credit risk and credit risk management, firstly analyzes the current situation and problems of credit risk management of Chinese commercial bank, at the same time, lists the advanced experiences of credit risk management of foreign commercial bank, that is, conducting a comprehensive risk management. Based on Analysis in theory and practice, this paper studies credit risk management of Shuozhou Branch in Shanxi of China Construction Bank specifically, and aims at its specific issue, proposes recommendation to improve its credit risk management. That is, under the guidance of comprehensive risk management ideas, through cultivating a comprehensive risk management culture, improving the internal control systems and mechanisms, innovating management methods and techniques, enhancing the credit troop quality as well as the property quality management, Shuozhou Branch can strengthen its credit risk management.