Our Country Commercial Bank Credit Risk Management And Countermeasures Research

The development speed of China’s credit card business, annually issuing scale growexponentially, more and more commercial banks engaged in credit card business, It can besaid that the future development of China’s credit card business potential is infinite. At thesame time the rapid development in the credit card business, we also see the endless streamof credit risk, including credit card fraud, malicious credit card and forged documentsfalsely claimed credit card, etc. credit card crime. Credit card business is foreign bankprofit growth, China’s current credit card business as a whole is basically in a slight loss ofposition, how to improve credit risk management as the most important issue facing thedevelopment of commercial bank credit card business.In this thesis, the basic theories and methods of finance, the use of a literature analysis,case analysis and comparative analysis, and clarify related concepts on the basis of analysisof the status quo of China’s commercial banks in credit risk management, foreignexperience, and thus do out suggestions to improve credit risk management in commercialbanks in China.This thesis first defines the relevant concepts of the study-"Credit risk and credit riskmanagement," On this basis, combined with the reality of the status quo of China’scommercial banks’ risk management and its problems are discussed, and from the internalcontrol and the external environment are two factors to analyze the causes of the credit riskmanagement problems. Next, select the United States, South Korea, credit riskmanagement as a case analysis, introduce the actual operation of the two risk managementat the same time, and come to the revelation on credit risk management. Finally, leads tothe key point of this article, China’s commercial banks, and credit card risk managementsuggestions. Countermeasures including the establishment of internal risk controlmechanisms to strengthen the industry self-regulation and to improve the bank’s externalenvironment.The thesis innovation lies in the system to sort out and summarize the existingproblems of China’s commercial banks’ risk management, and proposed specific measuresto establish a risk control mechanism to realize the organic combination of theory andpractice. Inadequacies in the article structure are relatively simple, the exposition of someof the problems is lack of theoretical depth, and you need to be corrected in futureresearch.