A Study On The Problem Of Public Credit In Wuhai Branch Of Construction Bank

Commercial banks ’s particularity lies in its money management. Credit risk is the base attribute， socommercial banks all over the world in an effort to seek ways to avoid the risks. Domestic commercialbanks， credit business income up to65%per cent of total income， and China’s banking industry facessignificant credit risk，and how to strengthen internal controls and ensure that security has become amuch-needed study and resolve problems. Bank how effective control risk， how to customer for Center，advance specialization operating management， improve on public credit operating managementspecialization， and intensive， and fine of level， through established proven of system， throughchoosing before loan，decision in loan and management after loan， will early research， and marketmarketing， and assessment and credit in the， and credit management the post for effective separation，and collaboration checks and balances， achieved loan of concentrated management and specializationoperating became important. Firstly the credit business of commercial banks at home and abroad overview，history and current situation analysis. Second analysis on wuhai branch of China Construction Bank onpublic credit business development， present situation and existing problems of internal control and riskmanagement， and carried out a detailed analysis of the causes of the problem. Finally focus on empiricalanalysis and reference of the relative maturity of experience， wuhai branch of China Construction Bankcredit operations jobs， There is segregation of duties， problems， as well as recommendations on thefuture development trend of rationality and propose solutions.