The Causes And Prevention Of Commercial Bank Credit Risk

Introduced the commercial bank credit risk concept and the credit risk management necessity. The bank loan quality fit and unfit quality, the credit property faces the risk the size, to the bank management achievement and even the survival development, has the very important influence. Commercial bank's management faces one of important questions is the credit property risk, how strengthens the credit property risk research is puzzles our country commercial bank the significant difficult problem. This article from compares the bank credit risk to have, the management and so on the related theory embarks, the union state-owned commercial bank credit risk management history, the present situation, the analysis state-owned commercial bank credit risk origin, sintapo commercial bank credit risk management system foundation and the mature experience, proposed the state-owned commercial bank establishes the new credit risk management system the suggestion.This article altogether divides into four chapters , first chapters:Briefly has carried on the analysis to our country state-owned commercial bank credit risk management present situation. The second chapters of basis not good credit property structure condition, take the credit fund law of motion and the characteristic as a fundamental point, has analyzed our country state-owned commercial bank not good credit property interior and exterior origin. The third chapters of introduction sintapo commercial bank risk management experience, and has carried on the comparison with our country state-owned commercial bank's operation, has obtained the corresponding enlightenment. The fourth chapters proposed consummates our country commercial bank internal control system, exterior supervising and managing and the market restraint policy suggested, and exterior guards against the credit risk from the bank interior the production.