The Study Of Industrial And Commercial Bank Of China SY Branch Credit Risk Management

Ever since the emerging of commercial banks, credit risk management has been the im-portant part of commercial banks’operation and management and gradually become a kind of science which is used to guide the operation and management of commercial banks so as to strengthen their security.Credit is the trust which may happen among any legal person and natural person. Due to the special status of commercial banks, their credit business happens much more frequently. To commercial banks in our countries, credit business is and will be a major business and the main source of their profits in a long time. However, credit business is very risky, if not controlled very well, will not only cause great loss to commercial banks but also great damage to national financial security and macroeconomic operation.Now, there is a long way to go for our commercial banks to catch up with those strong and experienced foreign counterparts. Therefore, it is very necessary to borrow advanced manage-rial skills of foreign countries and combine them with our country’s reality, finally research and build credit risk management system of our commercial banks. On the background of Industrial and Commercial Bank of China SY branch (hereinafter referred to as SY branch), the paper studies the problems of credit risk management of SY branch systematically. First of all, the writing background, purpose and significance are formulated, and some theories on credit risk man-agement are summarized. Secondly, the paper compares domestic and foreign commercial banks on credit risk management systems. Thirdly, according to the current status of SY branch, the paper analyzes some main problems that exist in the aspect of current credit risk manage-ment. Finally, the paper discusses some strategies aiming at strengthening credit capitals’risk management system of SY branch, and emphasized that the current SY branch need urgently to strengthen credit capitals’risk management. In order to further enhance the level of credit risk management, there are several aspects of the work that SY branch must to do. First, efforts to strengthen the credit risk of the cultivation management culture; Second, construction of the scientific credit risk management system, specifically including establishing a new organiza-tional structure, optimizing credit business processes; Third, other areas for improvement, spe-cifically including strengthening the credit risk identification system, improving the credit risk measurement techniques and credit risk control measures and so on. And it can provide valu- able reference for reference of raising the level of credit risk management.