S Commercial Bank Credit Risk Management

Many factors affect the bank’s risk management; the credit risk management is the most important, it’s directly related to the quality of bank management. Commercial banks occupy the main position in the financial industry, plays an important role in the market economy. In the current economic situation, China’s commercial banks should strengthen risk management, improve the profitability of commercial banks,so that it can promote the sustainable economic development. The healthy development of the commercial bank is the foundation of social and economic development. From the discussion, how to control the domestic commercial bank credit risk, is the focus of research, and very urgent, it has important practical value. At present, the ability how to control the credit risk of domestic commercial banks is not strong, the ratio of non-performing loans and the amount increased year by year. Data from the end of 2014, non-performing loans of domestic financial institutions reached 1.64%, commercial banks non-performing loan ratio was 1.29%, compared with 2013, an increase of 0.29 percentage points; the balance of non-performing loans of 842600000000 yuan, by the end of 2013, non-performing loans amounted to 592100000000 yuan, growth of 42%. In 2014, commercial banks non-performing loan rate get a new high from 2009, the rate of non-performing loans is a severe challenge to the commercial banks in our country is rising year by year.This paper first summarizes the theory of commercial bank credit risk management, introduced from the definition, categories, characteristics; and then lists the S of credit risk of commercial bank, summed up the current situation of S commercial bank credit risk management; and then analyze the reason why the S commercial bank credit risk; finally, put forward the improvement measures for the S bank credit risk management, from the aspects of risk identification, risk measurement, risk warning, risk control.