Research On The Questions Of Credit Risk In Commercial Banks Of China During Transition Stage

In general, financial risk of commercial bank includes credit risk, market risk, and liquidity risk, operating risk, legal risk and policy risk. The main risk form is credit risk to banking industry and even the entire financial industry. A research on global banking crisis from the World Bank indicates that the most common cause leading to bank failures is credit risk. Chinese commercial bank's credit risk not only influences its reform and development, but also seriously has a strong impact on healthy macroeconomic operation and even cause and triggers a severe social crisis. As a result, the study on Chinese commercial bank credit risk problems should be the core of the precautions against financial risk. The study and analysis on this kind of problems will be of important strategic significance to guard against and solve credit risk from Chinese commercial bank credit risk.At present, commercial bank, the main part, has accumulated large amounts of credit risk. The study and analysis on this kind of problems will be of important strategic significance to guard against and solve credit risk from Chinese commercial bank credit risk. The comprehensive use of Marxist Political Economy,institutional economics, information economics and finance analysis of commercial bank credit risk. First, analysis of commercial bank credit risk with the use of classical theory, information asymmetry theory, game theory; Second, analyze the features, forms and status quo of Chinese commercial bank. Last, to improve and strengthen risk control, though establish and improve the credit risk management organization and all-round risk management system, design and establish internal credit rating system, shape credit risk culture system, strengthen Chinese commercial bank credit risk prevention and control though credit risk early-warning system.