The Research On The Bank Of A City Credit Risk Management

Both developing and developed countries, commercial banks are the main body of sustainable development of the national economy and society in Ankang, with the economic system reform of our country continues, the commercial bank has become the mainstay of our overall economic development, has become the sustainable development of China’s economy more and more to promoters, brought lots of fresh the blood to flow at the present stage of economic. At present, the risk of commercial bank loans is still an important part of China’s commercial bank risk, credit institution innovation is difficult, the loan risk coefficient is high, the credit rating is not enough, also become one of the main factors restricting the development of our commercial banks. Facing severe market situation, many problems in China’s commercial banks to effectively respond to the credit business, is the current our country commercial bank credit business development oriented enterprises, for their own internal control problem solve first, research on the bank credit risk management is of great significance to the development of China’s commercial banks.Based on this, this paper will use the research method of combining theory and practice, from the first introduction of the importance of credit risk management in commercial banks, and then combined with the relevant theories of credit business of commercial bank, analyzes the credit business management status and development of commercial banks in China, and the reasons of our country commercial bank credit risk, finally reference credit management research results at home and abroad on the bank, a commercial bank credit risk management system of current situation analysis, proposed the commercial bank credit risk management and internal control improvement measures, namely the information system, the prevention of credit risk to enterprise credit risk exit mechanism, strengthen the means of science and technology, strict cost control, capital constraints for innovative assessment mechanism, the risk assessment system, achieve the goal of credit risk management of commercial banks in China, commercial bank credit risk control development to provide theoretical support, in order to promote the study on the credit business management of Chinese Commercial Bank development.