Research On Credit Risky Management For The Commercial Banks

Risks of management are the key problems of management and sustainable development of commercial banks, and credit risk is one of the main risks of commercial banks. In the past 20 years, financial liberalization and globalization became the juggernaut; financial innovation developed rapidly. Some advanced models of credit risky management come out one after another. The commercial banks of our country, especially state-owned commercial banks, have been in a risky operation state for a long time. In recent years, our commercial banks handle many non-performing assets in all sorts of ways. But bank itself hasn't found a radical solution to the problem of continual new non-performing assets yet from system and mechanism. Credit risks are still very great. Compared with international banks, the level of credit risky management of commercial banks in our country has a long way to go. The measurement of the management of credit risks is just at the very outset. Thus it is very important for the commercial banks in our country to study the risky management of credit and improve the level of credit risky management .This thesis collects the domestic and foreign information extensively, and study the credit risky management theories and methods of commercial banks systematically. It starts with practical problems of the commercial banks in our country, carrying on systematic explorations and study on the credit risky management of commercial banks in our country and proposes some countermeasures at the same time.The thesis consists of four chapters. Chapter 1 explains the connotation of the credit risks, introducing the domestic and international credit risky management theory and development of commercial banks briefly and analyzes emphatically main credit risky management measuring models. Chapter 2 analyzes the credit risky management problems of commercial banks in our country, summarizing the characteristics of the credit risks. Chapter 3 analyzes the causes of the credit risky management problems of commercial banks in our country from three aspects, that is,...