Research On Credit Risk Management Of Retail Business Of Commercial Banks In China

With the development of commercial banks in our country,the risk factors are gradually increasing.Among them,the main risk that commercial banks face is credit risk,which is the core of risk management.Credit risk refers to the uncertainty of the loss of the business activities,is a kind of default risk because the other party cannot be in accordance with the contract obligations.Financial globalization and financial disintermediation trend,China's commercial banks need to face credit risk has become more and more complicated.Commercial banks around the world are facing different credit risk.In recent years,although the most important role in China's commercial banks are aware of the credit risk in the overall business development,is actively working to prevent,but because of more risk accumulated problems and management ideas,development philosophy,science and technology,the quality of professional skills and so on are also with the international banks far apart,I commercial banks in the credit risk management level still has a long way to go.At first,this paper introduces the concept of credit risk and introduces the definition and management method of credit risk.The following this paper compares China and overseas commercial banks related to credit risk model,mainly introduces the overseas commercial bank credit risk management in the direction of the research achievements and problems,our country in the aspects of the existing problems and future development direction.Then a more detailed exposition of the credit risk management of commercial banks in China the current situation and problems,and in-depth mining using actual data of a commercial bank,to find employees in business process may produce problems,finally puts forward the solving strategy to solve the problem.Based on the reference on the basis of a large amount of literature has made the analysis and summary,the content according to the author's own work actual concrete analysis of a certain commercial bank A,B two branches in the customer when the choice of the problem,elaborates on the commercial bank credit risk management process of facing problems,and according to the development of the third party credit reporting company puts forward related Suggestions.