Based On The Credit Risk Managment Research Of Internal Control Commercial Banks

Recently, the globalization of economy has greatly promoted the development ofinternational financial market, but the flow of international capital has also made thefinancial market unstable. Commercial banks form the main part of financial system inthe temporary economic market, and the loan business is an indispensable part amongthe operations of commercial banks in our country. It is objective that credit risks existduring the operations, which are also faced by commercial banks. Hence, to strengthenthe management of credit risks will lead to build scientifically internal control systemof credit risks, enhance core competitiveness of commercial banks, and maintain thestable operation of our capital market in commercial banks of our country. However,due to rapid development of market economy and serious discrepancy of internalcontrol, concept and behavior discrepancy of credit risks greatly exist in commercialbanks of China, leading to high non-performing loan asset ration. In order to promotemanagement of credit risks, it is an urgent request for commercial banks that how tostrengthen the internal control.XX bank, as a countrywide joint-equity commercial bank, is long devoted tocredit risks management control. Owing to weak controlling over risk management,lack of risk appraisal method and negligence over risk control, all these factorscontribute to internal risk control inefficiently. Therefore, digging through the statusquo of risk management of XX bank, cases of credit risks and related issues ofenvironment, control and supervision, this thesis finally brought up countermeasuresof strengthening origination structure, building well credit atmosphere, optimizingcredit risk appraisal, building credit information system, and enhancing creditsupervision, which provide feasibility for commercial banks on credit risks control.Based on internal control of risk management of commercial banks, thesemeasures in the thesis have integrated the environment of risk management,strengthened control over credit risks, providing reference to credit risk managementfor commercial banks of our country.