Research On The Credit Risk And Management Of Commercial Banks In China

The credit risk is the prominent question which our country commercial bank faces at present, this already is affecting our country commercial bank's steady management, also is the intrinsic hidden danger that creates the systematic financial risk. Therefore, accurately analyzing and grasping the commercial bank's operate risk and effectively guarding against the credit risk, which has the extremely important practical significance for guarantying the stead and highly effective operation of our country finance system and realizing the economical sustainable development. On the other hand, although the commercial bank's credit risk management passes through the entire course which the commercial bank develops in, because our country commercial bank conducted the credit risk research and the management very late, in addition the external environment and the system reason, our country commercial bank's credit risk management regardless of in the theory, the idea or the technology, the mechanism all has the great insufficiency and the flaw. At the same time, although there is much research about the commercial bank's credit risk and the management in domestic, these works and the paper mostly only pay great attention to the credit risk from the macroscopic factor, not only have neglected studying the bank's behavior from the microscopic aspect, also be lacked of the theoretical analysis and the systematic risk research. I believed, for effective guarding against and managing the credit risk, not only need study the influence of the macroscopic environment and the system, but also need study the commercial bank's behavior from the microscopic aspect, the macroscopic analysis and the microscopic proves are equally important, when the latter not in the situation, strengthening its analysis research is especially important. This article is based on such reality and the background, on the related research foundation, profits from the successful experience of the western credit risk management, has analyzed our country commercial bank credit risk's concrete situation, produced the related policy to deal with, and has systematically studied the procedure and the content of the commercial bank's credit risk management from each link which possibly produced from the credit risk. The full text divides into four major parts: The first part is the theory foundation of the behind chapter, in this part, in delimiting the financial risk, the credit risk foundation, introduced the characteristic and the condition in which the commercial bank's credit risk produces, and dentally analyzed the effect mechanism of the credit risk; The second part mainly elaborated the survey of our country commercial bank's credit risk, and analyzed the deep reason from the different angle which our country commercial bank's credit risk produces; In the third part, aiming at the reason which the commercial bank's credit risk produces, put forward a series of policies proposal from improving the external environment and enhancing the bank own ability two aspects; The fourth part, in the first three parts from the theory to the actual research foundation, based on the microscopic aspect, further elaborated the procedure and the content of the commercial bank's credit risk management from the practice aspect, and strengthened the feasibility of our country commercial bank's credit risk management. The first part first introduced the financial risk, then drawn out the credit risk definition. The commercial bank's credit risk, is refers to the commercial bank in the operation and management process, because of the influence of all sorts unobservable or uncertain element in the economic activity, the commercial bank will possibly face that the transaction object will not fulfill or incompletely fulfill the contract in the future, then the commercial bank's real return and the anticipated income goal occurs deference, thus will cause the possibility or uncertainty thatthe fund will lose or the income will drop. Next, introduced the condition in...