Research On Credit Risk Management Of Commercial Banks In China

With the development of economic globalization and financial liberalization,financial industry has made a huge progress. Finance plays a more and moreimportant role on the world stage. As we know, commercial banks play an importantrole on our country’s economy. Also, credit risk management is the most importantpart in commercial banks. Risk and Profit are twins, they come together. Riskmanagement is equal to Profits in commercial banks’ daily work, and we have totreat it seriously.To pay enough attention to credit risk management is much more important inthese days, especially after1990s’, credit risk management has called enoughattention because of many worldwide financial crises and banking cases.Credit risk management is much closed to the success of commercial banks,even to the whole field of finance. Bad risk management can easily bring the worstresults to any commercial banks. Commercial banks in China have to face more andmore challenge and change owe to the development of economic globalization andfinancial liberalization. So it is clearly to find out that it is important for commercialbanks to manage their credit risk.For that reason, the thesis takes the research on credit risk management ofcommercial banks in China as topic. Based on explaining the topic selectionbackground and research significance, international and domestic research status,research thoughts and structure, thesis’ innovative points, and so on. Next, the thesisfocuses on the current situation and possible risk. At the same time, the thesiscompares the practice of world’s developed countries and regions in order to sum up some useful experience. Meanwhile, the thesis analyses the facts which have aninfluence on credit risk management of commercial banks. Finally, in order toconstruct and improve credit risk management of commercial banks, the thesis isbased on the practical situation of China, bring forward useful countermeasures andsuggestions from control environment, risk assessment, control activities,information and communication and monitoring.