Comparative Study On Chinese And Foreign Commercial Banks' Credit Risk Management

Credit risk is derived from credit operations and an impersonal economic phenomenon. It can not be perished, only can be controlled and reduced. Modern banking pays massive attention to credit risk management. In our country, credit risk is the main one in all kinds of risk in commercial banks. Credit assets are sill the main assets for commercial banks in China, they are also the main revenue. The credit market occupation percentage, management level and risk control ability are directly related to competition strength and strategic goal for banks. All this makes credit risk management the urgent task that our commercial bank should face.With China officially entering WTO and a new capital agreement of BASEL appearing on stage, the competition for Chinese banking industry will be more intense."How to settle and prevent bank credit risk"and"to increase the technological level of credit risk management"have currently become one of the prominent tasks for the innovation and development of our banking industry. Nowadays, credit risk management in the commercial banks of our country is not perfect in that obviously we are left behind by the counterparts of those western developed countries in the credit risk management concepts and mechanism especially technology and information management, we are still on the preliminary stage. Therefore, we must pursue the advanced manage method about the risk management of overall credit. On the basis of studying and making current international banking industry's advanced credit management theory and practice for reference, and in the light of current problems in this field, this paper sheds lights on haw to perfect credit risk management for the commercial banks of our country with the aim of improving risk management standard for it, making realization of a...