Research XX Commercial Bank Of Zhengzhou City, XX The Branch Credit Risk Management

China’s economic development is inseparable from the financial, and as the leading industry, the financial industry of banking industry on the financial development has a great reaction, especial with the gradual development of our country, access to foreign commercial banks formed a great impact on our banking industry, the banking industry’s development and risks and plays an important role, so the credit risk management level of development of the bank, the development process of leading financial, affecting the development of a country’s economic progress, therefore, brook no delay to reform the credit risk management of commercial bank.This article take the Zhengzhou xx bank xx sub-branch’s credit risk management case as a backing, through obtains this bank to this line of not good property percentage of and the large-scale loan situation the risk management present situation, the method which the theory and actual unifies studies this line of institutes to have the credit risk problem which and later will possibly occur, and will discover the question through successful and the defeat credit risk management case the reason, finally will unify the domestic and foreign research theory as well as the model analysis, will give solves this bank credit risk management suggestion. Thus obtains, although this bank yielded certain result in the recent years credit risk reform, moreover was in the lead in other state-owned commercial bank, but compared in the overseas commercial bank also has the very big disparity, the study overseas commercial bank’s advanced theory and the practice measure, increased own credit risk management level also to have a long way to go.The article divides into five parts, first proposed this article research background, significance, domestic and foreign regarding credit risk management literature summary, then draws out the credit risk management the importance. Next through the content which is connected in "Barthel New Capital Agreement" carries on the theory elaboration to the credit risk, lays a foundation for the article theory basis. Again obtains the Zhengzhou xx bank xx sub-branch credit risk management present situation through the data quantitative analysis. Finally summarizes this line of credit risk reform harvest and the extant question through the pro and con two cases, then the analysis has the problem the reason, gives solves the question suggestion.