Commercial Bank Lending Credit Risk Management System Applied Research

If the commercial bank have not a good risk management and make the good profit, the bad risk management will generate the bankrupt of the bank. The risk management was always very important problem. It is also very important issue to our commercial bank how to use the science skills to manage risk and reduce the lost of funds. This paper researched the use of risk management skill and system on basis of the banking risk management and management information system. The discussion was about theory of credit risk management and the design of information system. Around credit risk management, the paper used the tools of credit policy and management program, credit analysis and asset assessment technology to research credit rating, liability analysis, financial analysis and mortagage assessment. Otherwise, the paper had discussed the economic analysis of district and industry, which is very important in foreign banking. The credit limited management is the core of the paper. By the customer's credit rating and loan risk analysis, the commercial bank controlled the risk of customer credit and the total credit risk of the loan in the bank.