The City Commercial Bank Loan Credit Risk Management Study

The credit risk of commercial bank is through the whole business of commercial bank in the process, but for city commercial banks are also such. The center of our city commercial banks concentrates on the loan, and because of the special customers, history problem , the excessive intervention of the local government, special environment etc, management of loan credit risk occupies the special position in bank management.After our country joins WTO, the financial market opens large, foreign banks impact the local banks, the new Basel Accord about the enhance of managing credit risk , request of government about taking charge of banks strengthening , all put forward the higher request of loan credit risk . The city commercial bank can nicely manage own loan credit risk or not ,and complete the overall management of the bank risk, lessen the margin that competes with big banks, is a focus which attracts theories field, and the bank field. How to draw lessons from the credit risk management method of the advanced banks, promote the management level of loan credit risk of the city commercial banks , is a arduous mission that we face. This text surrounds that problem, makes some accidence and system discussion. There are three parts in the article.The beginning is the summary about especial credit risk in city commercial bank management.At first, via the data explains that the loan object of the city commercial bank mainly concentrates small enterprises , then discusses why the city commercial bank concentrates this lay , then further via the small enterprise livability , compensative resource , the finance...