The State-owned Commercial Bank Credit Credit Risk Evaluation And Control

Finance is the core of modern economy. Operation of the financial sector is crucial for economic development and finance is a high-risk industry. Financial risks enormous harm to the social stability and economic development. Risk can be divided from the major banks for credit risks, market risks, legal risks, operational risks. In the current financial environment, the major share of credit risk, So preventing and alleviating the risk management of credit risk have become the main content of the commercial banks. Commercial banks are the risks of operating a business, how to accurately assess and measure credit risk; Risk management is achieved by optimizing the key to survival and development of commercial banks. This paper introduces the content of the commercial bank credit risk, types of credit risk characteristics and the formation of China's commercial banks. Then, from the identification of credit risk and credit risk measurement start of the study has been conducted to assess credit risk. In recognition of credit risk, credit risk identification process discussed, and various methods for identification and comparison. In particular, the credit risk of banks in the five-category loan classification method for identifying a detailed analysis and research. Not only here in the implementation of the five-category loan classification method, but in our approach to the analysis of the problem, This is the latest development in the United States gave a detailed briefing. Risk Measurement, the prevailing system of international credit risk measurement and management of the four methods: JP Morgan, Credit Metrics method; KMV the KMV model; CSF (Credit Suisse Financial Products) Credit Risk +; McKinsey & Company's Credit Portfolio View. Meanwhile, the new Basel Accord on the commercial bank's risk measurement issues for an explanation. Finally, we study the current situation and modern credit risk management, credit risk management of credit risk measurement on the Enlightenment. Credit risk control of commercial banks are now more widespread concern and the poor quality of credit assets of commercial banks in China, the large-scale non-performing assets ratio, seriously hampering the economic development and the reform of China's commercial banks to raise the pace. Therefore, the study and control credit risk facing China's commercial banks is an important topic. This paper introduces the Basel Committee on Bank of internal controls of the study, the Commercial Bank of internal control issues. Control technology, particularly credit risk rating system has been thoroughly explained. Finally, the analysis of credit risk control and foreign commercial banks of the Enlightenment.