Research On Prevention And Countermeasures For Credit Risk Management Of MS Commercial Banks Of Dalian Branch

Credit risk management has always been a priority in commercial bank’s risk management, the financial crisis had caused the global financial environment turmoil and the deteriorate potential credit risk of bank. It is a important topic for the various countries’ commercial banks to control credit risk effectively and boost the level of banks’ profits, etc.The profits of banks which reached661.6billion yuan still maintained rapid growth in the first half of2012according to Shanghai securities news. However, it is worthy of being played more attention that the non-performing loan of banking financial institutions had also risen for three consecutive quarters. The non-performing loan of big Banks increased of2.6billion yuan,4.9billion yuan of joint-stock commercial Banks’. Therefore, problems of commercial bank credit risk management need to be addressed quickly.This essay which takes the example of problems in MS Commercial Bank of Dalian branch credit risk management with the basis of theory and practice proposes several advises about weakening and avoiding the Commercial Bank credit risk management. As a pilot bank in China’s banking reform, MS commercial bank of Dalian branch associates with the various economic sectors. It has a modern enterprising system, with the positive enterprising and innovation, which constantly expends business and scale. There is a tendency that the rapid uprising benefits will go up more quickly. The development of MS Bank of Dalian branch demonstrates the reform and innovation of China banks. But there is insufficiencies in the development of credit business, which affected the Dalian branch credit asset quality restricted the further development of the business and reduce the Banks’ earnings.It forms a targeted cognition through the summary and application of credit theory. Firstly, it explains the meaning, types and characteristics of credit risk. Secondly, it analyzes the internal mechanism after summary of MS Banks of Dalian branch credit business situation on the basis of empirical analysis in Dalian branch credit risk management situation. Finally, it proposes the concrete improvement Suggestions and countermeasures, so as to promote MS bank sustained and healthy development.