Construction Bank, Sichuan Branch Of Credit Risk Management System

China Construction Bank Limited (CCB) is a large modern commercial bank based upon original China Construction Bank. On 27 October 2005, it listed on the Stock Exchange of Hong Kong. In 2005, it was awarded"Best Bank in China"by The Banker magazine, ranked 11th among the world's top 1000 banks and 1st among Chinese top 100 banks.After listing, one of the important measures of CCB is to restructure its risk management system. The purpose is to make CCB become the first-class bank in the world. Through the research of the thesis, it not only presents specific measures and steps of reformation of CCB but also finds that the management of the listed banks has become compliance with the law and more and more commercial banks, particularly listed commercial banks have adopted risk management methods, which are popular in international banks.From the viewpoint of risk management of the first-class commercial banks, the thesis introduces the current situation of risk management in domestic modern commercial banks. Then it analyses the urgency of reforming the risk management and the gap between international banks and domestic commercial banks in detail. Finally, it demonstrates risk system reform in CCB. The author compares the past and current situation of CCB, combines herself working experience, uses knowledge learnt from MBA course in SWUFE, and presents some ideas about risk system reform in CCB. I am a nature of enterprise diagnosis thesis, which focuses on issues in practice and gives some suggestions through the thought of finding, analyzing and solving problems. The thesis includes four parts:Part I: From the aspects of phase of international banking risk management, commercial bank risk management theories are recognized by international banking, and core content of Basel II, and this the part introduces the risk management history and current situation in international banks. And through analyzing principals of risk management in international banking industry, it illustrates current risk management measures in international banks.Part II: In this part, firstly, it talks about non-performing loan. Then, it analyses the causes of non-performing loan. Finally, it illustrates the urgency and necessary of reforming risk management in domestic commercial banks and gives some suggestion about measures to control risk.Part III: In 2006, it was the first year that CCB was listed and it also the first year that risk management reform was conducted in CCB. By comparing the loan quality in 2005 with that in 2006, it illustrates the achievement in risk management reform in CCB, and specific schemes & measures in risk management reform in CCB, Sichuan Branch.Part IV: In this part, the author compares the changes of risk control by analyzing case study. And basing upon the gradual conduction of the reform in CCB, the author demonstrates some ideas and understanding about reform.The author combines herself working experience; leverages the relevant knowledge acquired from courses such as Strategic Management, Organization Behavior, Economics Elements, etc. and analyzes the achievements and experience in risk management reform in CCB, Sichuan Branch. The purpose of the thesis is to discover e basic principals and methods in risk management and adapt them to the sub-branches in CCB as well as to provide some suggestion for other commercial banks.Further research will be continued; please the exports, tutor and classmates give some suggestion.