The Research On The Credit Risk Management Of The Chinese Commercial Banks

As the organization dealing with risk and making profit, the bank need core competencies, one of which is risk management. For the bank, Credit risk is the biggest risk, the major factor which results in bankruptcy, most difficult than the others to control. Optimizing risk management is the key to survival and development of commercial banks.In China, Commercial bank credit risk accounts for 60% of the overall risk exposure. we have accumulated some experiences on management of credit risk, but compared with foreign advanced commercial banks, there are a large degree of gap. Therefore, considering the current domestic and international economic conditions, we should strengthen the in-depth Analysis of Chinese commercial bank's credit risk management. It has very important theoretical and practical significance that learning and implementing the advanced credit risk management tools and control measures in order to guard effectively against Chinese commercial bank's credit risk, to reduce the risks to minimum, to resolve the harm of credit risk, to improve the international competitiveness of commercial banks, to guarantee the stability and development of the national economy.By analyzing the Chinese commercial bank's credit risk and the reason why it emerges, and literature reviewing about credit risk models and the development of the Credit risk measurement techniques, the thesis points out the necessity and emergency for the Chinese commercial banks implementing overall risk management, elaborates the conditions of Chinese commercial bank's credit risk management. Facing the issues of Chinese commercial bank credit risk management, the paper brings forward the suggestions below, including: strengthening the internal management of Chinese commercial bank credit risk; improves external environment of Chinese commercial bank credit risk.