Commercial Bank Credit Risk Control Framework Reconstruction Research For ICBC Bank Of X For Example

With the globalization of world economy, the development of financial integration, the financial industry has made considerable progress in the financial industry as the core of modern economy sectors important. In the daily operation and management of commercial banks, the most central source of profit is still credit assets, its importance is evident. Therefore, the level of credit risk is directly related to the level of control to the healthy and stable development and improve the core competitiveness of China's commercial banks. And the success or failure of commercial bank credit risk management is not only about business performance and competitiveness of commercial banks for long-term success or failure of commercial banks and the whole financial system of steady development will have a very profound impact. Improper commercial bank credit risk management will result in very serious consequences. At present, China's economic transition process in the special period, the bank continued transformation to meet the opportunities, challenges and guard against financial risks and maintain financial stability. Scientific and rational management of credit risk with respect to bank credit assets as the main asset allocation of China's commercial banks, and its importance is self-evident, and thus will be regarded as the core of the credit risk management of commercial bank management is the inevitable choice.In this study, the full analysis of domestic commercial bank credit risk control on the basis of relevant literature, using data analysis and comparative analysis, commercial bank credit and credit risk control status quo as a starting point for China's commercial bank credit risk control problems and the causes were analyzed. Using the analytic hierarchy process and flow method, based on the principles of integrity, importance, effect the line as the basis for the credit risk control framework for China's commercial banks to reconstruct and clear reconstruction objectives credit risk control framework to establish a complete the flow chart to visually express the frame. In X Conduct case, in the specific case study of existing deficiencies in the implementation of the framework, and to clarify the meaning of reconstruction in the practical application of the framework. Finally, credit risk control framework for commercial banks how to promote reconstruction after put forward reasonable suggestions to improve.