Analysis On Factors Of Commercial Bank’s Credit Risk

International financial crisis teaches us the damage of bank credit. The credit risk affectsbank’s profits, stability and competitiveness, even more it may hit the ground of all financialinstitutions and hit the national economy. And this will be the beginning of a financial crisis.Since the reform and opening up, China’s commercial bank has experienced a rapid growth.As the same time, fast grow born high risk of bad coins. All in all, the analysis on factors ofcommercial bank’s credit risk is meaningful on both theory and practice.First of all, the article introduces the situation and categories of commercial bank’s creditrisk. What is more, from macro-economic factors, the lending industry, and banking corporategovernance of commercial bank credit risk influence these a few respects are analyzed.Finally, use the data of the influence factors of our country commercial bank credit risk forempirical research. With the research find that our country commercial bank credit risk at thesame time influenced by macro and micro bank individual factors. And macro views are:economy cycle, GDP growth rate; meson-factors are industries ’life cycle and supply-demandrelationship; micro ones are: commercial bank’s total assets, balance sheet ratios andcorporate governance structure.