A Research For Credit Risk Management Of Bank Of Communications Harbin Branch

As the economy continues to develop, The finance has become increasingly apparent asthe core of modern economy The commercial bank is occupied in the finance system to thedominant position, is the state economy condition barometer, Commercial bank’s riskmanagement affects the level of economic stability directly. As China’s state-ownedcommercial banks base on the traditional credit, so China’s financial risk is credit risk whichwas concentrated in the credit business.To Control credit risk, promote safe and soundoperation of China’s banking sector, to prevent the financial crisis, are of great significancefor China’s social market economy to achieve sustainable development.This paper describes the credit risk of commercial banks on the basis of the causes ofChina’s commercial bank credit analysis of the status and risk management strategies. Thispaper analyzes credit risk management status and causes problems of Bank ofCommunications Harbin Branch from general to specific By collecting relevant data toestablish the credit risk management models of Bank Of Communications Harbin Branch.and bring forward the specific countermeasures to improve the credit risk management.This paper is divided into five chapters,.in chapter one, I illustrate the researchbackground, the direction and content. In the second chapter， I describe the risk, credit riskand credit risk management, and China’s commercial banks credit risk management status andproblems are also described. In the third chapter, based on the second chapter details Iintroduce the credit risk management status, problems of Bank Of Communications HarbinBranch in detail.And then I commentate its own credit risk management causes. In chapterfour, firstly, I introduce foreign commercial bank credit risk management evaluation modeland discuss the Bank Of Communications Harbin Branch’s credit risk management ofexisting evaluation methods in detail, pointing out its shortcomings and deficiencies.By introducing of advanced international banking RAROC model,which has beencommonly used,to evaluate credit risk management of Bank Of Communications HarbinBranch.I conclude that the RAROC model’s is scientific and rational. In chapter five I putforward the specific countermeasures to improve the credit risk management in sumarry.