The Study On The Credit Risk Management System Of Shanghai Pudong Development Bank

The rapid economic development brings unprecedented opportunities for many commercial banks’ development, at the same time it also makes the risk of the management become increasingly complicated. One of the risk is credit risk which is the most improtant risk of such bank. Not at all, the fundamental reason of the occurrence of global (including regional) financial crisis is also associated with credit-related risk. Therefore, in terms of the development of the commercial bank itself and the sustainable development of the whole world economic, strengthening the credit risk management is the priority among our work. While many commercial banks are prior to prevent, resolve the credit risk, enhance the risk management ability regard as an important lever to enhance the competitiveness (core). After China successfully entered the WTO, Chinese commercial banks develop rapidly,but the credit risk management level is still low,which cannot not only meet the requirements of the new Basel Capital Accord, but also can not compare with the specific credit-related risk management in western developed country. Therefore, it is important to improve the credit risk management system, enhance commercial bank to prevent and resolve the risk, and respond both theoretical significance, practical significance to management ability. It can achieve sustainable economic development, enhance the competitiveness of commercial banks.The paper bases on the theory of credit risk management of commercial bank, uses the method of comparison between China and foreign countries, introduces the characteristics of the system of credit risk management of modern western commercial banks, compares with the current situation of credit risk management of Shanghai Pu dong Development Bank, analyses the shortcomings of the bank credit risk management system, reveals the mature experience of management system of credit risks of the western commercial bank to inspire it in China. And then it will put forward a perfect measures to improve the credit risk management system. The paper uses the methods of combining of qualitative and quantitative research, makes a qualitative study by the induction and deduction, analysis and synthesis, abstraction and generalization method and quantitatively researches the analysis of statistical data, the financial statements. It uses the combination of methods by text describes and data proof, the qualitative and quantitative research. To detailed and in-depth analyze credit risk management system of Shanghai Pu dong Development Bank. According to the analysis and puts forward relevant suggestions, increase scientific article. The main conclusions are as follows:Venture capital is the main credit risk management. The management of credit risk is mainly used to limit the amount of capital used, formulate a unified price and ease the pressure as a tool, maximize the reduction of the amount of bank losses, and maximize the return on the largest shareholders. It is the main capital defense risk level and the most easily appeared risk type of commercial bank for reference. All the capital of the bank is optimally allocated. Banking and financial products is the main allocation target. Shanghai Pu dong Development Bank established a credit risk vertical centralized management system. It gradually achieved professional management of the progressive realization of the credit approval, loan management, loan after the inspection, risk early warning and the preservation of assets. It constantly improves the level of credit risk management,but the existing management system is not perfect, the main problems are as follows, the first one,management organization structure is not fully playing the guiding role, the second one, the efficiency of the credit risk management process is needed to improve, the fhird one, credit risk management tools need to be improved,the fourth one, credit management system functions still need to be optimized, the fifith one, the lack of credit risk management personnel, the sixth one, credit risk management culture is not clear. In order to improve the level of credit risk management, Shanghai Pu dong Development Bank adopts the following several aspects to improve the credit risk management system, the first one, to give full play role to the management organization structure,the second one, to improve the efficiency of the credit risk management process, the fhird one, to perfecting the credit risk assessment tool,the fourth one, to optimize credit management support system, the fifith one, to strengthen the credit risk management training,the sixth one, to cultivate healthful credit risk management culture.