The Analysis On The Credit Risk Measurement And Control Of Chinese Commercial Banks

The global financial turmoil triggered by Unite State subprime crisis from2008, the worldgradually began to pay attention to the risk control of financial institutions. For ourcommercial banks, credit risk is the main one. The level of credit risk management decidessurvival and development of commercial banks, and even affects the social stability andharmony. Traditionally, the credit risk is that the debtor fails to repay, which cause theeconomic subject to the risk of loss, it is also known as the default risk. In1974, Hess TateBank of Germany due to the large number of default risk, so the normal settlement cannot becompleted with trading partners, declared bankruptcy, and even affected the stability of theglobal financial system. The international financial regulatory agency, we called it BaselCommittee, was born.This article is view to Chinese Commercial Bank, from the point of credit risk, focusingon the analysis of measure and control the credit risk of commercial banks. Not onlyintroduce the system of commercial bank credit risk quantification model, discussempirical analysis of14commercial banks using KMV model. It researches the reality ofcommercial bank credit risk control in china with the perspective of utility and practical. Putforward a set of suggestions, which can improve the risk management of credit risk inChinese commercial banks and even the whole financial field.