The Manegement Of Credit Risk For State-owned Commercial Bank

The risk guard is the subjec of the development of Commercial bank. In the Commercial bank existing most frequently and prominent question is the credit risk. Financial maket is developing,make State-owned Commercial bank more service-pressure . Credit is a market economy, is also a risk of the economy. With the development of market economy and credit in the competition to strengthen the role of commercial banks of credit risk also will increase. First of all, in theory, research and explore China's commercial banks of credit risk is not a new issue, but in the process of writing the author of contacts and access to information, this research can be innovative and to solve practical An effective solution to the problem by the results are not many, especially the majority of studies are limited to a description of the phenomenon and put forward the proposalcredit risk of commercial banks is the biggest risk, the formation of the various factors. In this paper, focusing on enterprises, commercial banks, external environment for the transition period on the causes of credit risk, to prevent and resolve bank credit risk is of important practical significanceThe first part: solve problems left over from history.today we should not onlysolve problems left over from history but also Due to historical reasons--thebackward mode of thinking. Calling on the root of credit risk of Commercial bank.The second part: Improving the legal system of a society and the social factors, starting from the Loopholes in the legal system, and put forward the reform proposals.The third part: about the internal reform, Including the own managemengt,the systerm of the back, the Financial products and the quality of staff. Propose Concrete measures. Come to the conclusion that the most important factor comes form inside.