A Bank Credit Business On The Issue Of Risk Management

in 1979 nearly 30 years exploring.operation of China's commercial banks from 1979, loan risk is major risk in management of commercial banks .To analysys occurrence of loan risk from the whole process of, the credit risk is the most important, It covers the occurrence of the whole reputation business process, including before the loan of the management of the reviewing in the inquisition, loan and loanempress etc.Strengthening a risk management and lowering a bad property is the demand that the A bank participates a competition, also is the premise which faces to a capital market and changes of the system. Therefore, the establishment of method is worth to discuss ,which is based around the "credit policy, credit operations, credit management, credit constraints," the whole process of a fairly comprehensive credit risk control system . This article is precisely the union of practical work experience, Draw on the domestic and international practices of some banks, Explore further improve the system of credit risk management measures.I hoped that can be the contribution to a bank steady development has.According to article content arrangement, full text include introdu-ctory remarks and four main elaboration parts; The in troductory remarks proposed the selected topic background, the main research method and the significance, the major point and the innovation spot carry on the in-troduction. The second part introduced related conceptive of the creditr risk management. The third part introduced that a bank gives the credit risk management the idea, and introduced other banks in giving the main dis--parity which in the credit risk manage -ment existing. The fourth part proposed some estions of A b-ank, and analyzed the process and the reason through the ill- ustrative case , and has further confirmed the present risk ma nagement system exis-tence flaw. The fifth part is key content of this article, mainly aims at subject matter of the risk management ofsecond part , the third part and fourth part roposed, finding how to improve the existing credit risk management system of ideas and measures.