A Study Of Management And Control For The Enterprise Credit Risk Of ABC Bank

The credit risk is the major risk faced by the commercial banks, the banking industry risk, the credit risk is the most outstanding, most centralized bank risk of commercial banks, but also endanger the biggest risk. The study on credit risk management can guarantee banks operating safety and can use a minimal losses to control credit risk. Credit risk management can also make the commercial banks in fund raising and the use of more scientific and reasonable, to minimize the occurrence of credit risk, so as to promote the stable operation of the banking system, maintain the stability of financial order. With the rapid development of financial market, the Commercial Bank of our country faces greater pressure on the business, credit risk also grow with each passing day. Commercial bank in credit risk management problems are gradually exposed, high rate of bad assets, asset poor safety and risk management consciousness difference are the result of credit risk is increased. Therefore, how to improve the level of credit risk management of China's banking industry is facing serious challenges.Current our country credit risk management level is relatively backward, and learn from foreign advanced credit risk management experience to become the upgrading of China's credit risk management level of an important means. This article from the credit risk forms and reasons to start, taking ABC bank as the research object, through the analysis of the present situation of credit risk management, based on the theory of information economics and institutional economics theory points out that at present the bank credit risk management problems, and the cause of the problem is deeply analysed. Exploratory point out ABC banks to improve their credit risk management principles should be followed in the train of thought and effective use of the mathematical model, derived from the ABC bank credit risk research method.Through the commercial bank credit risk identification, commercial bank credit risk measurement, the commercial bank credit risk control and credit risk management evaluation system analysis. The order of ABC bank 's development and the present situation as the breakthrough point, around the credit risk analysis, credit risk, credit risk measurement and improvement of credit risk prevention of these points, how to improve the ABC bank credit risk management level is studied, in order to prevent bank credit risk, improve the ABC bank credit management purposes.Based on the analysis of process, mainly by the use of economic theory, the theory of institutional economics, finance theory, organizational behavior theory, statistics theory and other subjects in the theoretical basis, relying on the two main lines, one is the theoretical basis of two empirical perspective, using quantitative analysis and qualitative analysis of the effective combination of processing ABC banks in the credit risk problems.Through this article research analysis, unifies the author in the commercial banks of the actual work experience, and I hope to ABC bank in credit risk management strategies and the development of credit risk plans to bring theoretical guidance and reference value, according to the study of the credit risk is a more in-depth understanding of. A greater degree of reduced due to blind the credit to the bank risks, to achieve ABC bank in credit business to maintain the stable development of low risk and high returns, hoping to give similar size, similar to the structure of City Commercial Bank in credit risk prevention to provide certain reference function. Finally, on the basis of the above analysis, a clear stock commercial bank credit risk management development direction, the establishment and improvement of China's banking credit risk system environment, accelerate the construction of suitable for China's economic and financial environment of commercial bank credit risk management mechanism.