The Research On Credit Risk Management For Bank Of China Jilin Branch

As economy develops, the requests for bank business begin to be promoted. The result is that the challenge and competition arise that commercial bank is confronted with. Therefore, the business risks of commercial banks manifest complexity and variability. Financial industry is the core component of current economy, and bank business is the base to build financial industry. As the development of diversification of financial business, the risk may increase. So, international standard of bank management may change as relative rules change. Bank industry in China is facing with more challengeable economic environment because of the existence of transition economies. And being constrained by the immature business development, the risk for Chinese bank may be special. The result is that we should promote the risk management level of bank business.This paper reviews relative credit risk management theory based on theory research and practice request, and focus on the loan risk management status and problems in Bank of China, Jilin Branch. In this paper, we explain the definition, classification and main characteristics of loan credit risk management. And, we summarize the current status of business development and loan credit risk management development. Based on this, we explain the problems in the loan credit risk management process and provide some suggestions for improvement.The loan credit risk management problem is not only in Bank of China, Jilin Branch. However, it exists in all the commercial bank in our country. And, this problem is determined by the nature of loan, and exists in all the time. Although we can’t remove the risk, we can reduce it by risk management. So the aim of this paper is searching for effective suggestions for the risk management for commercial bank, and guarantees the successful development of bank industry by reducing risk. And it may improve market competitiveness of our commercial bank.