Analysis & Research Of Credit Risk Of Commercial Bank In China

The credit risk is one of the main risks that confront each economic body in social economic activities. Under the economic system peculiar to our country, the credit risk of loan business appears more prominent with regard to our country' s commercial banks, in which loan business takes the absolutely dominant place of all the asset business.The dissertation chooses the credit risk of loan business as its studying object, to which the advanced international banking measuring methods and managing experience of the credit risk are related. Starting with basic concepts, the dissertation emphatically analyses the current situation and its contributing factors of credit risks of loan business of the Chinese commercial banks systematically by means of theory and positivism. Meanwhile the historically lengthwise comparison as well as domestically and internationally horizontal comparison is made to analyse the measurement, assessment and management of credit risks. Using the advanced practical experience and research achievement for reference, the dissertation also considers the domestic banking development and subsequently makes some suggestions to improve the management of credit risks of loan business in our country' s commercial banks.