City Commercial Banks Credit Risk Management Study

There is extremely important influence on the economical operationof the whole country in the state of development of the urban commercialbank, and its one's own credit risks construction has been questions thatthe bank circle has relatively cared about all the time. With internationaleconomic enhancement of exchange and cooperation, urban commercialbank urgent to set up which suit one's own Credit risk management ideaand technical labor, in the hope of obtaining the larger profit anddevelopment space.This article mainly from city commercial bank's characteristic, technicaltool and credit risk management system and countermeasure and so onangle quite detailed elaboration credit risk management. The full textfocuses on the credit risk management idea, the union credit riskmanagement model, proposed improves city commercial bank creditaspect and so on risk management system, policy, tool suggestions.Profits from the overseas city commercial bank the credit riskmanagement situation, and the research comparison conforms to ourcountry actual situation credit risk model tool, Mainly has analyzed thecredit risk management system, includingscreens the system, the earlywarning system, the decision system, Dodges the risk the system,proposed the corresponding measure in thisfoundation. This article according to the city commercial bank the superiorityandthe inferiority, unifies its own characteristic, simultaneouslyprofitsfrom the overseas city commercial bank the credit riskmanagementcondition, the research comparison conforms to our countryactualsituation credit risk model tool, carries on the real diagnosisanalysis inview of the prestige mirage commercial bank's actualsituation in,implemented the city commercial bank's credit riskmanagement systemand the research countermeasure has been actual,obtained the beneficialexploration.