The Study, Based On Bank Credit Risk Management In Project Management Ideas

Enterprise project management is management mode that engages to put the whole spread parts and resources effectively to concentrate, and through the formulation standardized management procedure, adopting effective management methods and operation means, in the stipulated time, budget and quality objectives requirements to achieve the project completely. The project management, which originated in the U.S, developed in the 1950s in the world, and had been introduced to china in the 1980s, having a totally almost 60 years of development, now, has been widely applied into the construction, engineering, consulting, government agencies, bank and etc, and it plays an indelible role in the development for the enterprises to cope with increasingly fierce global market. And risk management is a newly-sprung overlapping edge management discipline, which puts much more emphasis on minimizing the detriment of the business interests of the negative consequences may caused by accidents. Therefore, the bank risks credit management based on project management is much more having its own research significance. At present, based on the absorption, development of the foreign risks management idea and their risk management mode, our country has been developed a quite preliminary and comparatively perfect risk management theory system. The entire risk management system is based on the idea of project management, around the organization as a whole life cycle, identifying, measuring and evaluating, quantitatively analysizing the risk factors in each stage, and then to put forward effective risk management plan, the risk management plan and control measures. However, the limits in the commercial bank credit risk management are obvious, which can be summarized as following points: the country commercial bank credit risk management is not widely applied, the depth and the breadth of its application are not enough, the enterprise risk management system is not sound and of potential risk assessment and early warning management relative lag and etc. This article attempts to deliver a basic theory of project management, risk, credit risk management in basic paper, by constructing the risk management framework system, adopting empirical analysis and a bank credit analysis case to build financial risk management theory with practice, to a further explanation that the risk management of commercial banks based on project management idea can concrete risk operating that can increase investment profit chip, with a small risk cost can acquire larger security and promote our country commercial bank credit risk management development, realizing the bank the corporate objectives.