Design And Implementation Of The Credit Risk Management System Of Commercial Bank

In recent years, the profit source of our country commercial bank is diversified,but the credit assets is still the main assets and an important source of commercial banks. Financial risk is the main risk faced byour commercial banks, and the huge non-performing loans had become a major challenge for China's commercial banks.There still exist problems in management system of credit risk of commercial bank to evaluation and control the credit risk. If we can't solve these problems completely, the sustainable development of China's economy will face headwinds. Therefore, this paper carried out research and implementation on commercial bank credit risk management. The main contents are as follows:At the beginning, we described theory of credit risk management in China, and based on the main principles of both credit risk and operational efficiency, we design a scientific commercial bank credit process, including process control, pre-control and feedback control. It could make every process in control.In the second part, in the consideration of both China's commercial banks' situation and theory of credit risk management, we made a detailed analysis on the credit risk management system of commercial banks, including credit business,customer management, state management, relationship management, process management and the design principle of the system. All of these work set clear,accurate, specific requirements for system development.Last but not least, the credit risk management system of commercial banks development on the basis of demand analysis. Analysing and designing the comprehensive system architecture, logical architecture, network topology and application architecture overall, at the same time, the interface, security and database are carried out comprehensive analysis and design. Compared with the original system,Credit approval operation of our system is more standard. It can improve the efficiency of commercial bank credit and ensures the safety of credit process at the same time. Finally a safe, stable and efficient financial management was accomplished.