Research Of Control Of Commercial Banks' Credit Risk

Credit risk is the predominant one of all the risks commercial banks facing in china. At present, our level of credit risk management of commercial banks is relatively low; traditional credit risk management lacks sense of initiative and systematic planning; all of these result in the low quality of the credit property of our commercial banks and greatly decrease the benefits of the banks.The paper intends to systemize the credit risk management of commercial banks, to set up a sense of system in the whole credit risk management. The management system set up in the article include two main part, that is procedure control system and environmental control system.environmental control system focus on how to found effective administration in commercial banks. The article indicate that credit risk management is influenced by organizing, rules, information system and employees. So the environmental control system is made up of these four factors.The procedure control system focus on how to identify, measure and reduce credit risk in the process of bank loan. The article set up client estimate system, fivelevel system and problem loan system according to the three phase of bank loan.By analysis of real cases the paper has realized the integration of theory and practice, examined the operability of study methods and the effect of credit risk management.