Kunshan Rural Commercial Bank Credit Risk Management Research

Accompanied by the arrival of the financial turmoil, the banking industry of China is facing more unpredictable business environment, the pace of internationalization of the financial industry continues to accelerate, and online banking have emerged, make the international financial markets more open and liberalization. The external environment changes quickly, China’s banks will face a severe test in risk management.Indirect financing is the main point of China’s financial industry, loan income is the main source of profits for commercial banks, redit risk is the main risk that commercial banks need to face. In order to achieve the business objectives of the Kunshan Rural Commercial Bank, the bank need to adjust its financial functions, improve the operation and management mechanism, enhance understanding of the necessity and importance of credit risk method, improve awareness of the risk to the high level, make efforts to prevent and resolve a variety of credit risk, and make greater contribution to the city.This paper combined risk management theory and the actual condition in Kunshan Rural Commercial Bank, deeply analyzed all kinds of credit risk and reasons confronted in the credit management process of Kunshan Rural Commercial Bank, and to find the reasons through the risk management theory.This paper mainly analyzed from six parts:the first part introduces the background and significance, thesis research of China and abroad, thesis research content and methods, and technology roadmap; the second part is related to credit risk management theory, introduce the theory of asymmetric informationthe; third part introduces the current situation and problems of credit risk management in Kunshan rural Commercial Bank; the forth part analysis the reasons about these problemd; the fifth part describe the advanced experience of the domestic and foreign commercial bank, summarize the technologies for Kunshan rural Commercial Bank; the sixth part discusses the measures to improve risk management of Kunshan rural Commercial Bank.