Research On Credit Risk Management Of Small And Medium - Sized Commercial Banks In China

Now the development of small and medium commercial banks are under pressure from domestic large state-owned commercial banks and foreign-class large foreign banks, coupled with the establishment of a free trade area, Internet banking and other factors, the interest rate market, as well as the new regulatory standard constraints, the development of small and medium commercial banks facing unprecedented opportunities and challenges. This paper aims to analyze the risk management in small and medium commercial bank credit status quo, based on the combination of mainstream developed risk management models and techniques proposed to enhance our targeted small and medium commercial bank’s credit risk management policies and recommendations for our small and medium commercial banks the long-term dedication to the healthy growth of their modest.This paper has five parts. The first part is an introduction, opening the first rough about a research background and significance of the topic, followed by the relevant research scholars of literature review, and ended with the basic framework of this paper. The second part is about the theoretical basis of the theory of knowledge in order to small and medium commercial banks, credit risk and credit risk characteristics and management has become a cornerstone of this article theoretical study. Start with the four major aspects of the third section outlines the opportunities and challenges at this stage of small and medium commercial bank credit risk management faces; then follow the six aspects of the current situation of small and medium resolve commercial bank credit risk management, and finally to China CITIC Bank for the study, conduct analysis that calculated columns.The fourth part introduces the history of credit risk management research and development stage major credit risk, theories and models, and the pros and cons of these theories and models were compared. The fifth part is given from three aspects of policy proposals how to improve our small and medium commercial bank’s credit risk management, primarily from the strengthening of small and medium commercial bank’s internal construction and improvement of the external environment of view, thus the formation of small and medium commercial bank’s credit risk with Chinese characteristics management model for the long-term development of small and medium commercial banks escort.