The Inner Control Research For Credit Risk Of Commercial Banks In China

Being a special sector, bank is always facing huge management risk, which means the source of profits for commercial banks in some degree. So management risk is also one of the core competitive abilities of commercial banks and in the future, only the ones who own strong ability of management risk can be winner. And credit risk is one of the oldest and most important risks. From the date of the bank's birth, it gains the profits through undertake credit risk. Till now, bank loan is still the main form of enterprise financing and the margin income of deposit and loan is the main source of domestic commercial bank. Credit risk will be one of the main risks which domestic banking needs to face in quite a long time.This paper gives some measures of improvement which based on bank practice, aiming the shortcoming of inner control system and combining the construction of inner control system and organizational structure, human resources, system environment and etc, such as improve the system of loan decision-making committee, set up the mechanism of risk manager and so on. At last, it also brings a good practice on the implementation of process for credit risk from the view of micro-credit management.