Credit Risk Management System Research Of A Bank In Yichun

With the financial liberalisation and innovation of rapid development, the risk of bank are diversified, and complexity and globalization. The new Basel capital accord to the bank risk management by single management gradually to the overall risk management transformation, Chinese commercial Banks, credit risk is still the largest and most major risk.A bank as A secondary branch Yichun, the credit risk management also exists some problems. For the bank credit risk management system, the thorough analysis, and then found the bank credit for the improvement of risk management system are suggested in this paper writing purpose.This paper adopted data analysis and process, key for the comb A bank credit risk management system. A bank in Yichun credit risk management situation analysis, A bank credit risk from the status quo and A bank credit business processes and credit risk management methods, points out some risk management culture deviation, risk management functions weakening, risk management and risk information to separate link communication etc problems and deficiencies. Finally, based on the existing problems and the insufficiency, in foreign banking credit risk management practices are put forward, based on strengthening talents, improving and perfecting management information system, strengthen internal supervision, broaden the channels of A bank non-performing assets disposal and strengthening the supervision of exterior safeguard measures.From A bank management Yichun reality, for the construction of A suitable the characteristics of credit risk management system.