Modular Management Design And Implementation For Credit Risk Control Framework In Bank Of China Shenyang Branch

Credit is the most important asset of commercial banks, and usually accounted for more than 60% of the all assets. It provides one of the most important operations in commercial banks, and brings the greatest profit business; meanwhile, it brings one of the largest business risks. Credit is a kind of risk of commercial bank loan business, also is the largest loan business. Therefore, loan process for each link is made totally security, when commercial banks deal with loan business.According to the focus of the Basel Committee on banking supervision in the new capital accord, namely the pillar 1:minimum capital requirements Division of the Shenyang branch of the bank credit risk control framework, divided into the control of credit risk, market risk control and operation risk control three big modules, based on analysis of Shenyang branch of the bank credit risk control framework of necessity and feasibility of the modular administration, conducted a comprehensive analysis of the existing problems, points out the importance of management of each module uses the advanced management methods, combined with the Shenyang branch of the bank credit risk control framework management features of scheme of modular design principle of design management, bank credit risk control framework of Shenyang branch of modular management scheme. Taking into account the Bank of China Shenyang branch to credit risk control framework of modular management program content is more extensive, departments of more complicated, more staff and other factors, the Bank of China Shenyang branch of the credit risk control framework of modular management scheme of the implementation of the conditions, measures and supporting system. In order to solve the Construction Bank of China Shenyang branch credit risk control framework for the modernization of management and implementation issues, to achieve the purpose of risk control.Through the study of Shenyang branch of bank credit risk control framework of modular management scheme, in the end, limitations on the design are discussed in the paper, puts forward the direction of development of the next step of the research, but also for other domestic commercial bank credit risk control to provide ideas.