| The financial industry risk, is an important attribute, and effectively prevent and manage risk is financial industry survive and continuous development of basic guarantee. In the commercial bank, credit business has been in the business core locations, even western national commercial bank allows investment such as stock, bond securities, but its credit to assets is still more than 50%. Relative to this,bacause the percentage of our country commercial bank has long practice of separate operation", credit accounts for total bank assets ratio is 70%.Even in some grassroots bank,revenue source is almost entirely from credit assets. Therefore, constantly improving and strengthening credit risk management of commercial Banks in China is of vital importance.The global financial crisis caused by the U.S. "the subprime crisis"triggered off people to pay great attention to financial risks. In the current external environment, credit risk management is already no longer intraoperative hedge of risks and avoidances, but is a skill of difference,which can insure and add assets'value. In the future, domestic commercial bank development will largely depend on improving commercial bank credit risk management mechanism and risk management level.In long term, the loan and deposit is the main business of commercial banks in China, thus, the difference of interest in our country's commercial banks becomes the main source of profits. But credit business exis significant risks, credit risk also has become China's commercial Banks facing the main risk. Therefore, credit risk management has become the core competition of China's commercial Banks, which has decided to whether commercial Banks can healthly develop or not.In recent years, with China's accession to the WTO and continuous financial reform and financial innovation, the state-owned commercial bank in strengthening credit risk management to guard against and dissolving the credit risk have made great progress, and accumulated rich experiences, and the quality of credit assets has greatly ascend. However, compared with western developed countries, China's commercial bank credit risk management system still exists many problems, in credit organization structure and the credit risk management process, credit regulatory and credit management information and so on, all have more or less defects. our country commercial bank management goals-risk and return optimization are not effective guarantee. Meanwhile, our country commercial bank risk coefficient enlarges unceasingly, unhealthy credit assets still run.In 2008, the U.S. subprime mortgage crisis and global financial turmoil, which not only makes our country commercial bank faced growing financial risk, more Chinese commercial Banks cleared internationalized development strategy for development, accelerated and provided the beneficial reference and rare development new opportunities. Therefore, our country commercial bank must face up to the subprime crisis brings opportunities and challenges, as quickly as possible to reshape credit risk management structure, credit risk management process reengineering to credit risk, more latitude management, implement supervision and management mechanism formed credit risk, use of credit risk control method, the application information system to improve their own risk identification and control, ensure the healthy development of the commercial Banks.This study through the financial perspective and modern commercial bank risk management theory, combined with zhengzhou Banks from a financial perspective on credit risk prevention and the practice of management cases, comprehensive analysis of the serious credit risk management of commercial Banks in China, especially the problems existing in the financial analysis system, at the same time, the disadvantages of western developed countries and Asian emerging countries experiences, puts forward several suggestions on improving and strengthening our country commercial bank credit risk management measures. |
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