Contractor's Bank Credit Risk Management Research

In recent years, financial liberalization, globalization trend unstoppable, the rapid development of financial innovation, China’s commercial banks, especially state-owned commercial banks in high-risk long-term operating status, but in recent years, a number of ways to dispose of a considerable number of adverseassets. From the banking industry itself, not from the system, mechanism fundamental solution to the new non-performing assets, credit risk is still high. Of commercial bank credit risk management and international banks, the large gap between the credit risk management measurement is still in its infancy, improve credit risk management of commercial banks in China, China’s commercial banks to solve an important issue.Risk management is the core issue of the commercial bank management and sustainable development of credit risk is the most important one of the risks of commercial banks. The information asymmetry between commercial banks and counterparties, the credit contract is incomplete, making credit risk extensive and objective existence. In order to control credit risk within the risk tolerance of the commercial banks; avoid commercial banks failed; to achieve a balance between the benefits and risks; to provide a guarantee for the commercial banks of different types of target must be to effectively manage the credit risk of commercial banks. Commercial bank credit risk management is related to the banking system and even the entire national economy stable, and strengthen the credit risk of the research has important theoretical and practical significance.Baoshang bank (BSB)was founded in December1998,the first joint-stock commercial bank in autonomous region was founded, formerly known as Baotou City Commercial Bank.It was renamedfor the BSB in2007by the approval of China Banking Regulatory Commission (CBRC).BSB sets up the perfect "three willlayer "architecture,. At the end of2011, BSB has14branches, in the autonomous region of Baotou, Chifeng, Bayannur, Tongliao, Ordos, Xilin Gol, Hulunbeier, Hohhot, Xing’an Wulanchabu and district Ningbo, Shenzhen, Chengdu, Beijing,with105 outlets, more than6,000employees. At the end of2011, total assets reached178.3billion yuan, with114.3billion yuan deposits,46.1billion yuan loans, Non-performing loans209million yuan, non-performing loan rate of0.45%.BSB is the most growth of city commercial Bank, the most potential for retail banking, the best city commercial banks, high-quality financial brand, the2011national top10commercial banks to support SMEs development.In recent years, BSB gets the media attention and widespread praise.This article describes some of the theoretical results so far at home and abroad. In general, foreign studies have focused on the use of model for quantitative measurement, while the domestic use of qualitative assessment. This paper makes BSB as a sample for analyzing credit risk management,points out the deficiencies in the credit rating, loan quality classification, information systems, credit risk management philosophy, based on issues in a targeted manner to strengthen the credit the concept of risk management, improve credit rating, improve loan classification and construction of information systems and enhance credit risk management recommendations to strengthen talent management.