Under The New Economic Norm Of The Bank Credit Risk Management

The special status of commercial banks in the economy and the financial system has, so that commercial banks at risk if the problem, its impact on the social and economic losses to be much higher than in other economies may bring. Financial risk will bring great economic losses, such as bankruptcy, massive layoffs, bank failures and financial burden, GDP fell, the loss of huge foreign exchange reserves, etc., may lead to serious social unrest. Risk management is the core problem of commercial bank management, the level of commercial banks risk management is to ensure the survival and development of the commercial banks. Commercial bank credit management capabilities can be successfully reduced precipitation bank funds, bank credit assets to enhance liquidity and reduce credit risk.In this paper, based on financial, management theory, comparative research results at home and abroad through credit risk management, to a bank branch sales department for specific cases, on the basis of analysis of the bank’s credit department of a bank branch business conducted research on Situation credit business development, pointing out that their credit problems in the management system,in-depth analysis of the reasons for its formation. Learn from the advanced experience in credit risk management, credit risk prevention measures proposed building and early warning system, which has important practical significance to improve the level of credit risk management and improve the overall strength and competitiveness of commercial banks.This paper is divided into six parts on the whole, the first part is an introduction,mainly on the background and significance, domestic and foreign research institutions and reference literature and methods of this paper. The second part describes an overview and theoretical study of commercial bank credit risk management. The third part describes the main problems of commercial bank credit risk management exist.The fourth part in a bank branch business department related data, for example,analyze the credit developments. The fifth part is to deal with issues related to the development of countermeasures on credit and the future direction of the analysis.The sixth part makes a summary of the full text.