The Research On Credit Risk Management Of Commercial Banks For Infrastructure Industry

Commercial banks are the financial institution which gain the operational income from the business risk.How to identify,measure,monitor,warning and control the credit risk is the critical step for the commercial banks to obtain advantage in the strong business competition.Therefore,the level of credit risk management is considered as the core competitiveness of the commercial banks.As the financial system reform pulls forward constantly,interest rate liberalization is accelerated and the competitions among the banks intensify,the risks which the banks are facing also show the complicated characteristics.The identification,measurement,surveillance and scientific control methods of the risks are the fundamental for commercial banks to sustain prudent operation and realize “security,mobility and benefit”.Credit risks are the most important risk faced by the commercial banks and credit risk management naturally becomes the core content in the system of the risk management of the commercial banks.According to the active credit risk management,commercial banks are able to balance effectively the risk,benefit and capital management.In the thesis,the credit risk management system of the commercial banks is emphatically introduced and the risks faced by the banks and risk prevention and control measures are described in detail.Infrastructure construction,as the cornerstone of the national social development and booster of economic development,accounts for largest percentage in the credit,its concentration ratio is also the highest.Therefore,in the thesis,the risk that the commercial banks put the credit funds in the infrastructure industry is analyzed and interpreted.According to the industrial risk points,by means of credit whole process management,the focused risk factors are presented when the commercial banks sorts out the customers of infrastructure industry in each step of loaning process,then operational credit risk management system and risk investigation methods are proposed.Finally,through the credit risk system implementation in the TJCT group,the system's maneuverability is tested.By the comparison of credit risk factors of the infrastructure clients,the countermeasures to the risk points are found out with thefastest time,and then the requirements of credit risk management of the commercial banks are achieved.