A Study On The Construction Of The Credit Risk Management System In China Construction Bank Hebei Branch

With the continuous development of China’s financial industry, great changes have been taken place in domestic Banks’operating environment. Commercial Banks in the face of such changes, the original credit risk management has been unable to meet the needs of new situation, and the risk also from the single previous policy risk to constitute the main body to the policy risk, credit risk and market risk the risk of interwoven with each other. Accompanied by the continuous development of financial markets, bank credit becomes to accelerate, the credit scale expanding rapidly, also, the risk of bank loans presents the diversification and expansion of the trend. Therefore, to establish a banking credit risk control system that can adapt to the current development is very necessary.on the specific practice of construction bank Hebei branch, this paper uses empirical research, the combination of normative analysis and case study research method through the risk management system of China construction bank, Hebei branch, to find the original credit risk management system aspect malpractice and the insufficiency. Then by the bank itself and the external environment two aspects analysis pointed out that the cause of the shortcoming. Finally propose the solutions:through the establishment of appropriate advanced credit risk management culture, and perfect the internal control system of the construction bank, Hebei branch, improve the quality of risk assessment and credit report and Strengthen the supervision and evaluation system of the credit risk and so on; build a system of credit risk control, to change the traditional commercial bank regardless of the risk, regardless of the cost, put forward suggestion to extensive management pattern, in order to credit risk management of China construction bank, Hebei branch has reference significance.