Credit And Risk Management On Problems And Countermeasures’ Research Of Bank A

The American subprime mortgage crisis caused turbulence of the Wall Street. It affected global economy generally and exposed the weakness of banking system. As a result of this crisis, some large-scale American financial institutions were at the edge of bankruptcy. In order to establish an effective risk management mechanism for Chinese Commercial Bank in the long run, we had to be stick to three criterion: sustainability, stabilization and normalization. At the current stage, banks were still at dominant position in Chinese financial system. The future of development of Chinese commercial bank was bright. Booming macro economy, huge potential demand of domestic market and strength of market economy with Chinese characteristics provided an unparallel opportunity for the development of Chinese commercial banks. However, under the pressure of internal reform and external competitions, the difficulties and risks of banking system could not be ignored.Banking involved high risk. Interests rate spread between savings and loans was primary source for the revenue of a bank. Thus, the credit risk was the core of bank’s risk management system. With the acceleration of economic globalization, Commercial banks played an irreplaceable role for national economic reform and sustainability of whole economy. However, credit crisis had become more and more serious. Commercial banks were facing the challenge of credit risk management.Based on credit risk management theory, the paper expounds the concept, classification and characteristics of credit risk, management methods and the evaluation index. With A bank as the research object, the current situation of credit risk of A bank and credit risk from the visual Angle of credit risk management process to analyze it, on the basis of the credit risk management of the three problems existing in the process of optimization and put forward Suggestions on the implementation of optimization process.