The Research On Credit Risk Management Of China Merchants Bank

With the continuous development of the international financial sector, commercial banks raised the risk management of commercial banks have increasingly become the core competitiveness of life and death. Compared with advanced international commercial bank, commercial bank risk management mechanism in China is lagging behind. By the end of 2006, after China's accession to the WTO on the protection of state-owned banking sector has ended, China's commercial banks face fierce competition in the international financial industry. Meanwhile, commercial banks and shareholding banks have achieved overseas listing and financing, risk control and risk management mechanisms of the new requirements. Therefore, to cope with fierce international competition in the banking industry, to form the core of its competitiveness, China's banking industry must actively learn from the advanced international banking experience in risk management, sound risk management mechanism to raise the overall risk management capabilities. Credit risk is the major risk China's commercial banks, commercial banks in our country the low level of credit risk management, the traditional lack of systematic credit risk management, leading commercial banks in China are generally poor quality of credit assets, a serious impact on bank earnings. Firstly, the credit risk of commercial banks controlled by the literature review, analysis of commercial bank credit risk control is the actual content and development process; Secondly, commercial banks in China are analyzed and causes of the classification of credit risk; Third, analysis done in the credit risk control The more successful the two banks: Wachovia and Hana Bank, the analysis of the two banks in their respective credit risk control measures; Finally, to focus on Commercial Bank Credit Risk Control of the proposal, including the internal environment both with the external environment.