Research On Credit Risk Management In ICBC Under Basel Accord

Credit risk management has always been a priority among priorities in risk management of commercial banks, especially after the "new Basel Capital Accord" theorizing and framework, the commercial banks in the world attach great importance to credit risk management,and have to implement the new capital accord as an opportunity, and promote the level of bank credit risk management. In the background of Chinese economic growth and the adjustment of structure, asset quality defect rate have certain bounce in each commercial bank, credit risk management in a new situation how to effectively control the credit risk, increasing bank earnings level to explore becomes an important topic for the commercial banks in the world.This paper analyses the ICBC credit risk present situation, reviews the history of risk management practice of ICBC, ICBC is currently conduct in research work of rating method of credit risk management and Internal Rating-Based Aprroach management in actual operation of ICBC, analyze the causes of the credit risk and the problem of management of the bank. Based on the construction of ICBC to conform to the actual operating situation of the credit risk management model, design the credit risk management process,and finally puts forward the counter measures to improve the bank credit risk management.