A Research On Appling Comprehensive Risk Management To Credit Risk Management In Domestic Commercial Bank

With the rapid development of China’s market economy, commercial banks are playing an increasingly important role in the national economy. Operation of commercial banks not only affect their own development, and affect the virtuous cycle of the entire national economy. Credit risk is the oldest commercial banks, but also the most difficult to control the most deadly forms of risk they face, but also the most frequent reason for causing the bankruptcy of commercial banks. Countries are very focused on commercial bank credit risk management issues. Commercial bank credit risk management directly affect the sustained and healthy development of China’s economy, but China’s commercial banks credit risk management and international banks are still large gaps.In this paper, in the context of the implementation of the New Basel Capital Accord and comprehensive risk management concepts and methods are widely applied progressively, in-depth summary of the advanced experience of comprehensive risk management, attempt at a comprehensive risk management framework for the status quo of China’s commercial bank credit risk management and key issues, learn from foreign advanced management experience, banks, commercial banks in China and then put forward a sound credit risk management policy recommendations.This paper is divided into six chapters, the main contents are:The first chapter introduces the research background, significance, methods and content; The second chapter describes the theoretical study of credit risk and overall risk management Review; The third chapter analyzes the status quo of China’s commercial banks risk management, and pointed out that the main problems; The fourth chapter analyzes MS bank credit risk management situation; The fifth chapter summarizes the advanced experience of Germany, the United States commercial banks in developed countries; Chapter Ⅵ suggestions China commercial bank credit risk management.