China's Commercial Bank Personal Credit Risk Management Study

In the process of the economic systems restructing and opening is deepening, both the internal and external competition pressure require commercial banks in China to manage the potential risks more efficiently so as to stabilize the financial system. Credit risk is among one of the most imminent risks that are faced by commercial banks. Therefore, to enhance credit risk management is advantageous in the safety of the commercial banks as well as in the stability of the banking sector, as well as the sustainability of economic growth.This article vigorously develops the personal credit service take the current our country Commercial bank the present situation as a premise, through to the Commercial bank personal credit risk management's research, analyzes our country Commercial bank personal credit existence some questions and the personal credit risk management present situation, elaborated two Commercial bank personal credit risk assessment method, proposed promotes our country Commercial bank personal credit risk management level the countermeasure suggestion.