Study On The Bank Credit Risk Control System Of Commercia

In the further development of economic globalization, the development of all walksof life requires the use of more advanced management tools for business operations.Especially in the banking sector which, due to the development of market economywith banks are inextricably linked. How to run a bank become increasingly need tofocus on and explore the topic. This has a very important significance for thesustainable and healthy development of the economy. In the day-to-day businessactivities of the commercial banks, which generally derived from the occurrence ofrisk for the risk of loss of control. This is the most universal. In order to establish amore effective, science-based risk control system, the paper through the analysis ofthe existing system of bank risk control, which come to the strengths and weaknessesof the system where, and then invoke the international advanced risk control system,and ultimately established within the bank a scientific, reasonable and applicable riskcontrol system to provide a correct basis for the bank to make a more rationaldecision-making.In this thesis, the impact of commercial banks credit risk elements and the status ofthe credit risk of commercial banks as the basis of the theory, at home and abroadrelated literature describes, and then to analyze the actual situation of ChinaEverbright Bank Credit Risk Management, on this basis, werisk control system hasalso made a preliminary establishment. And we also find out the key to control creditrisk at this stage, enterprises, banks, government need three aspects work together tocreate a favorable credit environment, the development of the economy as a whole.Through commercial bank risk-control study of the status quo, we conclude that:risk control must be done to strengthen risk identification, strengthen the supervisionof the risk, the risk-based measure, improve risk control, improve risk adjustment inthe fiveaspects. We also put forward concrete measures, is the first to form a bindingcredit culture; Second, to establish science-based risk management mechanism; Third,the introduction of modern information management technology; Fourth, to enhanceexternal supervision; fifth, establish a sound internal control system; sixth, create agood social credit environment.How to build a scientific and rational system of internal controls to protect againstthe risk of bank credit that may be encountered, which is the most important and mosturgent of all banks face, which directly affects the bank’s operations and earnings. Inthe process of banking operations, we must develop the character of the times, thepositive face of changing customer information, customer information tracking,updates, provide an accurate basis for decision-making by banks. Financialenvironment along with the continuous development of the policy, there are rapidchanges, some commercial banks’ internal control systems are still inadequate.Because of this, to enhance bank risk prevention capabilities for enhancing the competitiveness of the banks is particularly important. The history of the developmentof the commercial banks in China is still relatively short, not enough for theinternational state-of-the-art banking culture learning, has not yet reached the standardof the world’s leading banks, China’s commercial banks must start now enrichingthemselves, to arm themselves with state-of-the-art banking culture, to seek betterdevelopment. From the perspective of the development of China’s banking, thehealthy development of the banking needs of businesses, government and bank tojointly promote the relationship between the three are inseparable, only three commonprogress and common development in order for the overall socio-economicdevelopment and create a good social credit environment. This sustainable economicdevelopment is of great benefit.