Study On Controlling The Credit Risk Of Cross-regional Operations Of City Commercial Banks

In recent years, the city commercial banks show tends of rapid development, cross-regional operations become the most important manner. The expansion of credit scale requires that banks have a perfect system of risk management. Currently, during various types of risk, the most serious challenge is faced with credit risk. For this reason, to set up an effective measurement model and right control mechanism of credit risk have a great significance on sustainable development of commercial banks. Take the bank of Lanzhou for example, through summing up experience of risk management mechanism of numerous city commercial banks and comparing diverse measurement models of credit risk which are commonly used, the paper put forward a measurement model of credit risk which is suitable for the bank of Lanzhou, meanwhile, it is based on field work to the bank of Hangzhou, etc. The new model focus on Analytic hierarchy process, supplemented by expert judgment, which is combined with quantitative analysis and qualitative analysis. Additionally, the paper gives a train of thought about how to solve the problem of controlling the credit risk of trans-regional of the bank of Lanzhou from the overall.