China's Commercial Banks Credit Management Process And Risk Management Study

Nowadays, some unhealthy modal of credits are becoming increasingly the main cause of non - performing loan. In view of this fact, developing a healthy credit modal is vital. In the daily management, many management staffers are used to traditional thinking and action. It is a major force of performing non - performing loan.Credit operation will be one of the most effective ways for commercial banks to gain profits in the future for a long time, and its benefit seems hold the balance of commercial banks. According to the bank benefits, the thesis analyses three parts of credit, that is: choosing before loan, Decision in loan and management after loan. The Central Bank suggested that commercial banks should optimize the loan structure strengthen loan market and adjust loan decision, because most loans are lent to big companies and groups, which leads to high and uncontrolled risk.This thesis concludes two modes used in choosing before loans and adds non-fiscal facts in loan decision, which could act as the theory basics of excluding bad loans. It points out the bad result of such phenomenon of loans, and gives the countermeasures. I hope it can offer some reference to our healthy modal of credits.