Bank Of China Chongqing Branch’s Credit Risk Control

This paper lists the listed commercial Banks’ credit risk control as the research object, analyzes the comprehensive evaluation model from theory research and case analysis. This study has important practical meaning and theoretical significance.Firstly, lists the particularity of the commercial Banks and the special development stage of listed commercial Banks in China as the background, comprehensively analyzes the theoretical and practical significance of this paper; summarizes the domestic and overseas research about credit risk control and listed commercial Banks’ credit risk control; expounds the listed commercial Banks credit risk control theory from the concept, basic elements, targets, function of commercial Banks’ internal control; and lists the evaluation goals and principles, methods, contents, steps of listed commercial Banks credit risk control evaluation framework, which establish this paper’s theory base.Secondly, this paper analyzes the current situation of China’s listed commercial Banks’ credit risk control. Generalizes the features of the commercial Banks and lists the existing problems causes of commercial Banks’ credit risk control, therefore, further verifies the necessity of comprehensive evaluation. These problems include the credit risk control environment and consciousness is relatively weak; risk identification and evaluation assimilation is weak; control activities and measures owe perfect; Information communication and exchange mechanism and the information system is still not perfect; the supervision, inspection and self evaluation is too more optional and not comprehensive. The reasons are including macro and micro level two parts.The evaluation model’s construction of listed commercial Banks’ credit risk control is the core of this paper. According to relevant regulatory requirements, laws and regulations, based o n the hierarchical analysis method, this paper sets up different indexes from the five basic elements of listed commercial Banks credit risk control. So as to establish the hierarchical structure model of commercial Banks credit risk control evaluation.Then this paper takes Bank of China Chongqing branch as example and uses the comprehensive evaluation model to evaluate its credit risk control. This part comprehensively analyzes the general situation of Bank of China Chongqing branch and its credit risk control, and evaluates its credit risk control based on the level structure of credit risk control model.