Small And Medium Sized Commercial Bank Credit Risk Management

The main risk facing the banking sector divided into eight areas, namely national and transfer risk, market risk, operational risk, interest rate risk, liquidity risk, credit risk, legal risk and reputation risk. Which occupies a special position of credit risk, the World Bank study shows that the global banking crisis, bank failures led to the most common cause is the credit risk. Therefore, a commercial bank credit risk management an important part of risk management. Credit risk to commercial banks in hidden losses, but also encourage commercial banks to effectively manage the credit risk for a variety of changes, so that commercial bank risk management with the times. This thesis applies to the Small and Medium Sized Commercial Bank Credit Risk Management and analysis of existing problems, propose solutions, and they hope to improve our small, and medium commercial bank credit risk management make its own contribution.This article first describes the research background and significance, and the recent status and comments, article writing ideas, methods and innovations. This section outlines the paper focused on the vital leading role to play. Then, by introducing the definition of small commercial banks standard, the meaning of credit risk, credit risk management and other features and concepts, laid the theoretical foundation of this article. This paper describes in detail the five aspects of small commercial banks in China at Present status of credit risk management, credit risk revealed in our small commercial bank risk management in a hidden danger. Small and medium sized commercial bank in Present status of credit risk management from the five major aspects of the targeted and effective analysis. Credit risk management from the current situation, the causes of the problem of in-depth analysis of all aspects of small commercial banks on the current credit risk management studies. Finally, the paper should be made from the six major aspects of how to improve our small and medium commercial banks related to credit risk management measures, in particular small and medium sized commercial bank in China by building credit risk management in detail, the system introduced in the management of how to effectively credit risk management.For future small and medium sized commercial banks in China to strengthen internal risk control, and strengthen credit risk management that can be referenced measures and countermeasures.In the full theory and research related to domestic and abroad based on the results, this paper has been innovative in two ways:1. To Harbin, a small commercial bank credit risk management as an example, the line through the Consumer Credit risk management analysis, and the U.S. commercial bank's credit risk management methods were compared, to identify the bank and developed countries in bank credit risk management differences, and thus learn the advanced credit risk management, consumer credit to make up for the bank credit risk management deficiencies.2. Through the Small and Medium Sized Commercial Bank Credit Risk Control Problems in depth, that the credit environment on the regional impact of small commercial banks, set up our small and medium commercial bank credit risk management model, which further study of Chinese medium and small commercial banks were the causes of the credit risk of new exploration.