Research On The Risk Management Of Public Credit In China's Commercial Banks

In China's rapid economic development environment,China's banking industry has also been an unprecedented development.Behind the rapid development of commercial banks is the risk increasingly diversified.Internationally,in recent years there is no shortage of well-known large banks in the case of crisis,small banks crisis case is too numerous to mention.The credit business is an important part of the banking business,and its risk is becoming more and more complicated.It is very important to control the risk of the public credit business to the healthy development of the bank.This requires banks to establish an effective risk management system for public credit,but China's commercial banks started relatively late in this area.Although has been learning the West advanced risk management technology,but the gap with the Western banks still exist.There is often news that the bank is failing to fail.Therefore,the establishment of China's commercial banks for their own characteristics of the credit risk management system and continuous improvement,which against the credit risk is very necessary.This paper uses case analysis method,taking China Merchants Bank as an example and analyzes its present situation and existing problems in the risk management of public credit.In order to solve the problem,the corresponding optimization measures are given.This paper first introduces the theories related to the bank's risk management of public credit,including the summary,the type and cause of the credit risk of commercial banks,the overall framework of risk management of commercial banks and the procedures and management of public risk management method.Then,the author introduces the case of China Merchants Bank,analyzes the current situation of China Merchants Bank's risk management of public credit,combined with the case of China Merchants Bank's credit to SZ Copper Company.There are problem in four areas: employee risk awareness,credit business process,the credit card business assessment mechanism,the risk of early warning system.Then one by one put forward practical and feasible measures.