China's Commercial Banks Credit Risk Management Study

With modern credit risk measurement methods emergence, and the new Basel Capital Accord promulgated, Commercial banks are becoming more sophisticated credit risk management. In China, commercial banks are still using the traditional credit risk measurement methods and means of control, be difficult to meet the precise measurement and risk management of credit needs. Therefore, China's commercial banks need to draw on modern credit risk measurement methods based on, and according to the new Basel Capital, accord on the commercial bank's credit risk management, against credit risk management and the status issue and the corresponding improvement, continuously improve our commercial bank credit risk management capability.Based on the modern credit risk management framework for the analysis, to improve the commercial bank's credit risk management capabilities for the purpose of the study and starting point. By analyzing China's commercial bank on credit risk management, and in view of the main problems raised some relevant countermeasures. Transcript from three parts:The first part is a commercial bank's credit risk management outlined. Through commercial bank credit risk meaning, characteristics, causes, credit risk measurement methods and the New Basel Capital Accord on the commercial bank's credit risk management requirements of the briefing, formation of a modern credit risk management framework for analysis.The second part is a commercial bank's credit risk management in the present situation and problems. China's major commercial banks from credit risk management methodologies, tools and management systems analysis, The first is to illustrate China's commercial bank's credit risk management practice, then analyzing the commercial bank's credit risk management is facing a major problem, mainly from the current practice of inadequate risk management and credit factors restraining the development of analysis.The third part is against our credit risk management is facing a major problem, to the modern credit risk management framework for analysis as a guide, from the credit risk measurement methods and means, credit risk management mechanism and credit risk management tools for the core of the building made some relevant countermeasures.