Study On The Credit Risk Management Of China CITIC Bank

The global financial crisis broke out in the year of 2008, which was caused by subprime Crisis. Many multinational financial companies, including Lehman Brothers Holdings, apply for the protection of bankruptcy. China is influenced by the crisis, so that export decline sharply and economy develop slowly. The banks of China provide a large number of loans, so credit risk is more and more important for Commercial Banks. Credit risk is produced possibly by market risk, liquidity risk, operation risk and law risk, so credit risk exit independently. It is difficult to manage credit risk. It is theoretical and practical significance to research management of credit risk for commercial banks on the basic of China CITIC Bank.On the base of domestic and foreign research, the paper analyses the credit risk management of China CITIC Bank, reveals difficulty of the credit risk management, designs the new credit risk system of China CITIC Bank according to BaselⅡ. The system includes credit risk evaluation, credit risk measurement, credit risk pricing, credit risk control and credit risk culture. For carrying into execution, it is essential to rebuild management organization frame of credit risk, to play the role of stratagem investor, to improve function of credit risk information system, to push multi-dimensional risk management, to strengthen supervision after providing loans, to rebuild risk management process and to cultivate advanced risk culture.