S Bank Credit Management And The Management Of China's Bank Credit Reference

Credit is one of the most important assets business for banks. Commercial credit management is the central task of commercial banks. It plays an important role in the national economy. Banks take up some kind of risks when grant loans which result in losses in varying degrees inevitably. Though it sounds credit management can not totally avoid losses, banks can lessen the possibility of loss to the lowest limit by organizing and managing lending business in a reasonable way. International commercial banks have acquired rich experience through their many years' development. Their systems and methods in credit management have much to learn for reference for the local financial institutions that will be facing increasing competition after China joins WTO.This paper introduced the system and method of credit management in S Bank in 3 aspects: 1 .Organization system and credit policy; 2.Credit risk and financial risk analysis and control; 3.Borrowing cause analysis and decision making system. Linked with the practice in our country, this paper draw lessons from S Bank in the above 3 respects.Hope this will benefit local commercial banks in building up a healthy and sound credit management system.