Based On The Platform Of Commercial Bank Credit Research

Since China implemented the reform and opening-up policy in1978, faster economic growth has been made in different industries, among which the development of Commercial Banks is particularly fast. However, varied contradictions are surfacing due to the slowdown of the macroeconomic growth. Since2013, China’s economy has been stable and improved, but at the same time the problems China’s economy has been facing are increasing caused by the increasing uncertainties at home and abroad. In the context of the credit system and its concept are popular in the world; some domestic Commercial Banks in China are gradually beginning to consider using the financial service outsourcing as the solution of the Commercial Bank credit management.The first part of this paper analyzes the current situation of the development of Commercial Bank credit management at home and abroad. The second part demonstrates the mode of asset credit management, risk control management, the basic theory of credit risk management, the requirements of credit risk management system, the confirmation of credit risk limits, the evolution and current situation of the development of bank credit management, liquidity ratio/index method, liquidity risks monitoring and controlling, the confirmation and application of credit risk limits, the outstanding performance of Basel Ⅲ compared with Basel Ⅱ. The third part makes a further analysis of the algorithm of Commercial Bank credit risk limits and takes the credit management system of Bank of Jiangsu as an example to comprehensively analyze and compare various treatment methods of commercial bank credit management system, and choose some reasonable and effective solutions among them to have a thorough analysis. The analysis will set a good example for the Commercial Banks to explore market businesses, improve the risk control ability and strengthen the robustness of operation under the new situation. The last part puts forward some constructive suggestions for the future development of Commercial Banks and other financial institutions and the approaches of improving relevant credit risk management.