Corporate Lending Credit Risk Identification And Measurement Of Research

Risk management is at the core of management in commercial banks, with the workflow designed mainly for risk control. As the development of the reform, Chinese banks will pay more and more attention to the great importance of risk management. For banks and financial institutions, Basel II should be an inevitable standard, responding to that, proper strategies on risk management, must be a long and demanding journey, especially for China banks.Compared with that of the foreign banks, the assets structure of Chinese banks is so different. Thereafter, credit risk related to corporate banking is the focus of management. This article is reporting the risk management in this field in order to set a case study for recognizing and measuring the risk in China, according to the popular technology of risk management.The article analyses the origin of credit risk and the importance of management in china, analyses the theory and applied fields for the 4 popular risk management models, further, analyses the system and defect of risk management in china. Finally, the article gives the management system from macro economy, industry, district and corporate, so different aspects.The article give an intuitive actively way of risk management, by a method not only analyzing the corporate risk, but the macroeconomic, industry risk .The method is with the same idea with the first leading risk recognizing and measuring technology and suitable for the Chinese market, though some defects exit. The article does a good job covering the significance in risk management, for the time being and in recent future.