The Study On Credit Risk Management For China's Commercial Banks

The commercial bank is a complicated finance enterprise. It is a service enterprise whose fund, technology, talented person and the product is concentrated. And because of its characteristic property, it is also a high risk enterprise. With the fact that China joins WTO and the all-round open arrival, our country commercial banks are facing to more and more aggravate marketing competition. Only by reinforcing core competitiveness, banks can be in an invincible position in competition. Therefore, credit risk control level, which is the core content in commercial bank risk administration, has become an important standard to judge one bank's manage ability. This thesis is to be to set off from this, analyses and studies current situation and cause of formation on our country commercial bank credit risk administration. It looks for method and countermeasure to improve credit risk control level. First, the main body of the paper briefs the concept of the commercial bank credit risk and risk administration which including definition, content and classification. It points out the credit risk administration to be the core content of bank risk administration. Then, the evolution course of our commercial bank risk administration and current situation of loan mass has been recollected. Analyses the history cause of formation and the new cause in retro WTO protection scheduled time. Then sums up the useful experience of abroad main commercial banks about there idea, organization frame, technological process etc of the credit risk administration. The thesis priority introduces IRB and other quantitative analysis systems, points out the gap between our country bank and abroad bank. On the above basis, it suggested that as an operator when he was thinking about how to improve risk control level, he must think about several important theory coordinates such as strategy, capital constraint, and how to structure the credit risk administrative system in the present stage. At last, according to the success case in China Construction Bank, it tells us the current actual effect structuring risk administrative system, keeping watch and resolving credit risk by applying the idea of enterprise-wide risk management in our country.