Research On Credit Risk Management Problems Of Domestic Commercial Banks For A New Period

Credit risk has become commercial bank the important risk. The credit risk management of commercial Banks determines the survival of the bank and development of a country's financial stability. Although after the economic transition and financial regulatory reform, our commercial bank profitability and risk management has continuously developed, facing global financial environment changes, especially facing the new situation such as financial crisis, WTO transitional period and Basel III, our country must keep pace with The Times, continuously improve the management capability of credit risk in coping with competition and challenge.This paper is based on how to respond to the challenge of the new situation and how to solve the credit risk management problem of commercial Banks in China. Modern commercial increasing bank management capability of credit risk will provide continuing competition. Look back to the financial crisis, the fierce competition in the market led to the bank's blindly credit expansion, eventually the real estate market bubble had to burst and led to systematic credit risk. Similarly, the end of the WTO transition period will make our country bank industry exposed to the intensive competition environment, well balancing the relationship of risk and income and improving credit risk management ability becomes the most reasonable way for commercial banks to achieve sustained competition. The Basel III improves bank capital requirements further, whether the bank can use the limited funds to implement bank earnings efficiently, or whether it could the bank acquire high-quality customer simultaneously strengthen the management ability of credit risk are the challenges of the bank industry's future. Through the above analysis, moral hazard becomes the most important problem of commercial banks in our country.So whether there is moral hazard in our country and what is the level of credit management in our country becomes the problem that the author studied. The author investigated 12 commercial bank credit risk management situation, and studied the foreign credit risk management of commercial Banks, found that our management level of the credit risk still stays in the foreign traditional pattern. Our credit management methods mainly use qualitative analysis. The prediction ability of credit risk management, the strategy of management and technology process are deficient, the organizational structure need to optimize and the shortage of staff inspiration. ect. These phenomenons are the problems of commercial bank credit risk management in our country. These problems exposed the credit risk management of commercial Banks in China has more probability to lead to some moral risks, and push our commercial banks into a competition situation at a disadvantage.How to meet the challenge of the new situation and solve the main problems of our country commercial bank credit risk management, not only need a series of methods to optimize organizational structure, properly use management strategy, strengthen the staff inspiration and technology innovation, and it also need to create a good credit environment to strengthen market restraint and to introduce the external credit rating. All the methods should be taken step together for credit risk management of our commercial banks.From a theoretical perspective, this article based on the existing commercial bank credit risk theory, especially the present situation in China, recognizes the gap of the credit risk management method between domestic and foreign credit management methods, analyzes the achievements and deficiency of existing methods in our country, provides theoretical preparations for the next stage to consummate our country commercial bank credit risk management system and construct the credit market management framework. From the realistic perspective, the current domestic and foreign financial institutions should pay more attention to risk management techniques in daily business, especially for our country is concerned, the foundation of financial markets is weak, therefore, this paper will be helpful for our commercial bank to look for a proper market credit risk management method.The study of global financial new period to propose countermeasures for our country's credit risk management is the innovation points, this deficiency should study further in future study and life.