Research On Credit Risk Management Of Commercial Banks

As the economy continues to develop, the finance has become increasingly apparent as the core of modern economy. As a barometer of the country’s economic situation, the commercial bank is dominant in the finance system. Therefore, the risk management level of the commercial banks directly affect the stability of the economy. Since the credit business is not only the main asset business of commercial banks, but also an important source of commercial bank profits, so the credit business is the main collection point of financial risk in our country, which specifically perform as credit risk. Only by reasonably and effectively controlling the credit risk to keep the financial system operate safely and stably, can we achieve healthy and sustainable development of socialist market economy in our country. Based on the research of the credit business of H commercial Bank, this paper analyzes the present situation, problems and causes of the credit risk management of commercial bank H, then on the basis of the reality of H commercial bank, put forward specific measures for bank credit risk management by innovative use of the whole process credit system.