China's Commercial Banks, Credit Positioning

The research of this thesis is mainly developed around this problem-when running the banking credit with customers, how the banking credit decisioners make good decisions by holding the principles of credit management to reach the purpose of banking credit. Where the research begins is the way the credit is defined and held by the decisioners, and then further research is developed on how should the band credit decisioners of China manage the credit. Drawbacks of the credit positioning in China are disclosed and proposals are put forward to accordingly. First, general theoretical analysis is made about credit position under the market economy. The com of the credit position is to maximize the profit by controlling the risk. Secondly, considering the characteristics of the economy of China, the credit positioning of China and its holding is studied; Thirdly, further consideration of the credit positioning of China is taken under the background of joining the WTO; At last, problems of the credit positioning of China at present are disclosed and analyzed deeply. The suggestions to resolve these problems are put forward to accordingly.