Under The New Basel Ii A Primary Commercial Bank Credit Risk Management System Of Recycling Research

The research of the crisis of global banking of the World Bank shows that the main reason of bankrupt is the credit risk. The credit risk is still the main factor that causes the bank management problem although emphasized the overall risk management. Especially in our country, the credit risk compared other risks is also the key problem that the banking must face. Studying new Basel capital agreement, carrying on the credit risk management according to the agreement and establishing the credit risk management system in keeping with our country are necessary.This article studied the present condition, the reason and the variety trend of commercial bank credit risk management in our country. Then the author took the city branch of some joint-stock commercial bank as an example, using the methods of substantial research and norm analysis to analyze the main problems of the bank on credit risk management, in the meantime, drawing lessons from the developed nations' banks and giving a reengineering study on credit risk management system for the bank based on the new Basel agreement.