Study On The Establishment And Development Of Credit Culture Of Bank Of Jining

The group of urban commercial banks as a young special group in the Chinesebanking industry has realized the significant transformation from survivability tosustainable development basically after experiencing a rough journey. This group hasgradually developed into the most vigorous and competitive one in the bankingsystem. And its social status and role appears and improves increasingly. However,the credit business, as one of the most traditional, kernel and competitive businesses,always regards the risk management as its lifeline. Although urban commercial bankshave realized the importance of the credit risk management, they haven’t set up thecredit culture with their own characteristics due to the historical and systematicreasons. Their construction of the risk management culture lags behind thestate-owned banks and the national stock system commercial banks. Therefore, howto construct the risk management culture adapting to the development of urbancommercial banks and owning the urban commercial banks’ characteristics hasaroused the attention of all the urban commercial banks. This essay adopts thetheories about enterprise culture and management science and puts forward theconcept of constructing the credit risk management culture in the urban commercialbanks by analyzing the establishment, connotation and effect of the credit riskmanagement. It aims to promote the efficient operation of the risk managementsystem in urban commercial banks, and help this special group to better adaptthemselves to the development of market economy and improve their marketcompetition.