Research On The Credit Risk Management Of Commercial Banks In China

With the development of China’s financial industry, risk management plays a very importantrole in modern financial institutions. Commercial banks are the basis of modern financialindustry, how to prevent and control risk are key factors measure how financial institutions runwell. Credit risk is the main risk facing by commercial banks in business management. Thepurpose of this paper is to improve the management level of China’s commercial banks creditrisk by studying and citing the foreign credit risk quantification model.Firstly, it describes the background of current research and significance China，and integrateand describe the existing credit risk measurement methods. After the conceptual description ofcredit risk with commercial banks, and analyzed the credit risk management with the BaselAccords. In the research of theory, this paper carries out a detailed comparison and analysis thetraditional methods and modern methods of commercial bank credit risk management, andresearches practice situations with these risk measurements. Under the difficulty of selectingstatistical variables for the present situation, this paper attempts to build a Logistic statisticalmodels, in manufacturing for example, conducting empirical research and testing with themethod of selecting variables, Providing a reference basis from quantitative analysis toqualitative analysis. Finally, it gives some suggestions for the commercial bank’s credit riskmanagement.