China's Commercial Banks Credit Risk Management Study

The modern economy is a kind of finance economy, as well as credit economy. Along with the development of the economy, bargain has become the foundation of the modern economic activities, which promotes economic development. The credit condition of our country is very bad, which is experienced a trustworthiness crisis. It has already become a big bottleneck of our country's economic development. The enormous bad debt of our country's commercial bank is the best witness. Studying credit risk, then keeping away and dissolving credit risk is the topic that many scholars concern. The special situation of our country destines that it is necessary to study the problem independently. Just because of this, this thesis have a foothold in our country always. For credit risk's coming into being, accumulating of process and solving of way, it makes a thorough discussing. Wish what I have done can benefit credit risk management.There are four parts in the article:The first part mainly discusses the concept, differentiations of a few concepts, and the characteristic of commercial bank's credit risk, and the trend of modern credit risk. Along with the development of the modern economy, the content of the credit risk is also extended further by traditional default risk. Ramification financial tool has become a trend of the management of credit risk, providing a kind of new means for the risk management;The second part discusses the creation and accumulation and the chief problem of commercial bank's credit risk. The credit risk that our country commercial bank faces is very severe, its essence reason is a system factor;The third part is about the modern credit risk model. It indicates that KMV model is a good choice to our country's commercial bank, for its basis is the variety of stock market price, which is fit to china;...