Research On Credit Risk Management In Gansu_Province Branch Of The Bank Of Communication

With the acceleration of global economic integration process, the occurrence of the global financial crisis, against the background of national economic development is faced with new and severe tests, the development of China's banking industry to face more severe competition in the marketplace. In the national policy support and its own reform, the Bank of Communications branch of Gansu Province in the long-term business development, risk management has made certain achievements and accumulated some experience. Although the capital adequacy ratio has been significantly increased, but the risk management of risks remain, in the corporate governance environment, risk management system, risk management, risk quantification tools and so on, with the world's advanced in comparison with the industry still exists a wide gap between banks. Reached a new Basel II risk management level, the Gansu Provincial Communications branch of risk management capacity is a severe test.In this context, the proposed credit risk and its management background and important practical significance, according to China's financial market environment, the Bank of Communications, the status quo in Gansu Province branch operations and asset structure of credit risk in the future is still a fairly long period of time, banks The biggest risk, the operating safety of commercial banks play a decisive role.The core of risk theory that modern commercial bank's core competencies is the credit risk management capabilities, a bank's core values, and also the bank's risk management focus. I According to Bank Credit Risk Management Branch of Gansu Province, the status quo and put forward constructive proposals targeted, as well as the idea of a sound risk management that the credit risk is the branch of Bank of Communications, Gansu Province, for a long period of time in the future continue to face the greatest risk. Therefore, this branch of the Bank of Communications, Gansu Province, credit risk management methods and research are analyzed in order to the study of credit risk have been helpful.