Study On Comprehensive Risk Management Of Bank Credit Project

China's banking sector which is the core of the national economy has all-round opening to the world, and in the face of complex and ever-changing competitive environment, the same credit risk management is the eternal theme of the bank which can be said that the bank's credit project risk management is the most conventional and important management.First of all, bank credit risk management is defined through multi-angle analysis; uses the questionnaire survey and the empirical analysis to build a comprehensive concept model of credit risk management, discusses the process of bank credit risk management, analyze obstacles when China's banking sector implement a comprehensive credit risk management project. Secondly, the main problems that bank credit risk management faces have been analysised, and a large amount of data and the conclusion are used to verified the model; finally, the post evaluation process and post evaluation index system of the bank credit risk are builded, which pave the way for the back-feed system of credit risk.Innovations and insights are as follow.1. Through the study of literature, empirical analysis and review of the status quo, a comprehensive bank credit risk management model is established to verify the significant impacts that the credit status of enterprises.2. A eight-industry bank credit risk recognition and evaluation model,which contains textile manufacturing, machinery manufacturing, petrochemical manufacturing, metal/non-metal manufacturing, pharmaceutical manufacturing, electronics manufacturing, retail industry and information technology industry, which provide a more concrete and viable basis for the analysis for the bank loans enterprises, is build, bases on the original method and the current situation and the characteristics of statistical data of Chinese enterprises to build3. It points that the risk of dynamic monitoring need to produce a good credit culture and to establish an effective mechanism for a harmonious game based on the information from the economics of culture and credit analysis. The former is a soft monitoring mechanism, which belongs to the long-term mechanism, and its formation is a long process, its affection is long-term. The establishment of healthy relations between the banks and enterprises should be the core of the credit culture. The latter is a rigid mechanism, which should be constantly adjusted according to the bank's stage of development and economic and social environment.4. The bank credit risk evaluation steps is put forward. The post evaluation index system is set up, as well as post evaluation of the learning model of credit risk, paves the way for the establishment of back-feed system of credit risk, and does a useful exploration for establishment of the post evaluation mechanism of credit risk.