Credit Risk Management In Commercial Banks

Since the emergence of commercial bank, credit risk is one of difficult problems that commercial banks have to face hundred years ago. As the chief risk which commercial bank confronts, credit rick has momentous effect and great realistic meanings to our society, economics, living and the study about credit risk management. As the risk management technology progresses, it evolved from asset management, liability management, in balance-sheet management, off balance-sheet manament to enterprise-wide risk management which based on risk measurement and risk transfer. The commercial banks in our country mostly established no longer than 40 years, especially ICBC, ABC, BOC and CCB were born out of business of theThe People's Bank Of China, the realistic circumstance of our country financial market is the market that is booming and transform, so we still need to devote major efforts to improve credit risk management level in our country. This paper is divided into five chapters: Chapter 1 is preface, which puts forward the problems first, then introduces the study background, significance and the arrangement of this paper's structure. Chapter 2 give definitions to basic concepts, this include credit risk and credit risk management, also here introduce some characteristic, mechanism of credit risk and the main content and status quo of credit risk management. Chapter 3 emphatically analyse the model about credit risk management of our country's commercial bank. Chapter 4 takes Industrial bank as an example, discussing the useful exploration in the credit risk of this bank, which indicates the direction for the improvement of credit risk management of our country's commercial bank. With the advantage of the efficient credit risk management system, the Industrial bank has been very successful in credit risk management of our country's commercial bank in recent years. The last chapter gives some suggestions about making commercial banks'credit risk manage perfect.