The Research Of Commercial Bank’s Credit Risk Monitoring System

Finance is the core of modem economy and banking is a very important part of finance. A steady and well-running financial system is essential to a healthy economy. Business activities of commercial banks are full of risks, commercial bank’s risk management is a major issue that is related to the stability of the banking system and even the entire national economy. Commercial bank’s risk mainly are credit risk, market risk, liquidity risk and operational risk. Credit risk, among them, is the most ancient and most important one. Researches on commercial bank’s risk management are helpful both in theoretical and realistic aspects.By2007, the United States sub-loan crisis triggered by the global financial crisis, the people once again realize:risk management especially the credit risk management is not essential luxuries, but financial institutions continued steady development essentials. The financial crisis and the crisis, all commercial banks to further strengthen and improve risk management, especially the credit risk management, this paper was to study the international background. But in China, then to deal with the financial crisis, began to implement the moderately loose monetary policy, credit policy and performs inverse cycle. Anti periodic credit policy is conducive to the promotion of economic recovery, but the massive bank lending is also meant to assume greater credit risk. Not only that, now the real estate loan from credit risk is gradually exposed. At present, China’s commercial banks still lack of characteristics for the credit risk management system, and data accumulation deficiency lead to the implementation of the new Basel accord internal ratings-based approach, is not conducive to the quantitative management of credit risks. Therefore, current to our country commercial bank credit risk management, especially the present stage credit risk monitoring in-depth study, still has its necessity.Based on the analysis of credit risk of commercial banks in China based on the status, from a practical point of view put forward how to build suitable for China commercial bank credit risk monitoring system. Perfect our country commercial bank credit risk management methods and means, raise the level of credit risk management, to perfect our country commercial bank credit risk management system, enhance the bank’s core competitiveness.