The Study, Based On Risk Identification And Risk Control Of The International Credit Operations Of Commercial Banks

Under the background that Chinese banks'Go Overseas'to develop international credit business and foreign currency loan going up rapidly, it is necessary to analyze the risk that international credit business facing comprehensively and find out solutions to defense and control the risk of it based on both the domestic and foreign circumstances and policy. Through analyzing and research, I hope it is helpful for domestic commercial banks to develop international credit business and reminding those banks to attach importance to the identification and controlling the risk of international credit business, then to promote the sustainable, stable and sound development of international credit business.The paper analyze and generalize the potential risk of international credit business based on brief introduction and analyzing the character of Chinese banks'Go Overseas'to develop international credit business. Furthermore, research the solutions to defense and control the risk of international credit business considering the theory of controlling the risk of banking business.The paper combined the theory and the experience, and refer to domestic and foreign research and comments, based on theoretic analysis, cases concerning China Development Bank Corporation and Bank of China Corporation involved in the paper, and then to make some helpful suggestions for Chinese banks regarding the development of international credit business by empirical analysis method. Chapter 1 is the summary; Chapter 2 introduces the risk and related theory of domestic commercial bank credit business. Chapter 3 introduces the general credit business of China banking industry and the main credit business and its'latest development of China Development Bank; then, Chapter 4 analyze and describe the method to identify and early-warn the international credit business; Chapter 5 list the main measure to control and manage the risk of international credit business base on cases; Last Chapter sum up the result and innovation of the paper, and outlook. Through the research, the paper is willing to come to the conclusion that.Firstly, the establishment of commercial banks in international credit risk early warning system. Commercial banks in the monitoring of risks is also necessary to establish a risk warning mechanism, through the mechanism, early warning, preventive measures.Secondly, the combination of the characteristics of its own international credit business, special risks faced by the environment and other factors, this one from a business development ideas, layout, this paper puts forward the development of international credit operations of the recommendations; the other hand, from the security device, the risk of delay risk control measures and other means of release paper proposes an international credit characteristics consistent with the risk of early warning and control means, methods, and even system.Thirdly, to further China's commercial banks credit risk carried out and the credit of our country to carry out banking business in particular, made reference of international credit risk prevention and control of guidance, and to some extent, on China's banking industry healthy, and orderly conduct of international credit to play as reference.