The Research On The Management Of Credit Risk In Commercial Banks Of China

Risk management, accompanying with the birth of Business of the loans and deposits, has been a part of the bank operation system .Among the sorts of risks , the credit risk is very important because researches on the global banking crisis by the World bank illustrated that risks of Financial institutions is directly from Deterioration of credit on debtors ,and the credit risk has been the most common reason for bankruptcy .As the globalizing on economic and finance, the traditional techniques and models on credit analysis are hard to cope with new situations .with modern financial and Statistical theories, western commercial banks have developed new models for credit management. It is also acknowledged by Supervision department as new Capital agreement require that standard measurement ,primary and advanced interior valuing measurement on credit management. Interior valuing measurement has been the key part of new Capital agreement and main mode on credit management globally. The key of interior valuing measurement is establishing more relevant model between debtor and bank.The credit management in domestic is still on primary stage, seldom measured...