The Research On Credit Risks Control Of The City Commercial Banks

Along with Our country banking unceasing development, financial gradual opening, the entire banking competition is intensing day by day, the environment which the bank faces is more complex, the uncertainty factors also increasesing day by day. But the Commercial bank credit risks' management of our country has only just started , compares with the international bank, no matter Commercial bank credit risks management of our country in measure method, data collection, data analysis, or in the management of risk on the test results are far in a backward position. Because the establishment time of the city Commercial bank is short, the credit risks management is more imperfect, so, strengthens our city Commercial bank's credit risks to manage into the urgent matter.Since long ago , the Western financial industry has taken the risk guard, they according to its management style and the enterprise culture, chose the reasonable credit risks management pattern, to construct the quota risk management model which the strict risk management organized and consummates, Supplemented by modern information management technology, has formed the Commercial bank credit risks management which and the control system the organization strict, at the right moment monitored. To further strengthen our city Commercial bank's market competitiveness and resistance risk ability, it is necessary to profit from the overseas Commercial bank credit risks management the successful experience, according to our own characteristic, choice advanced, suitable credit risks management pattern, further consummates the credit risks control system, enhances the credit risks management skill. First, this article briefed the present stage our country Commercial bank credit risks present situation, and studied the present stage our country Commercial bank credit risks general production reason and the city Commercial bank credit risks special production reason. Next, this article to the US Commercial bank, Germany Commercial bank, Australia Commercial bank's supervisory system and the credit risks control system carries on quite studies, introduced emphatically the overseas Commercial bank to credit risks' management operation and so on, and unified the internal city commercial bank credit risk control the present situation to carry on the analysis. Finally, utilizes each kind of specialized knowledge which studies, carried on from the internal control and the exterior supervision's angle to our country city Commercial bank credit risks control system has re-examined, explores improved and strengthens our country city Commercial bank credit risks control the countermeasure.