Research On The Decision Making Method Of Commercial Bank Security Credit Withdrawal

Credit business is one of the most basic and core business of commercial banks. The scientific nature and rationality of credit business risk management are closely related to the security of credit assets, which has important research value. For a long time, the research on credit business risk management is focused on the unified credit management, credit management system, credit management system, credit withdrawal decision-making method and so on. And just this area and the security of credit assets have the most closely related. This paper reviews the development history of China's commercial banks'credit withdrawal, and expounds the theoretical and practical situation of the domestic and foreign credit withdrawal decision-making methods, from the theoretical point of view of the current credit withdrawal decision method. Based on the analysis of the typical cases of bad loans, this paper summarizes the defects and shortcomings of the current credit exit decision method, and concludes that the "parameters+ experience" credit should be developed. Based on the mature experience of foreign commercial banks, this paper puts forward the reasonable suggestions and prospects for the improvement of the decision making method of the credit withdrawal from the perspective of the development of China's practical analysis.