The Research Of Our Commercial Bank's Credit Risk Management

In recent years,because of complicated financial market,our country in the city business credit business risk.However,the credit risk management is the whole city one of the most important areas of the business risk management.Affected by fluctuations in the international economic environment and the financial crisis,which are characterized by export-oriented foreign trade of our country have appeared in the entity economy,in this case,the city business loan risk is greatly increased.Credit risk management is the core of city business operation and management.With the establishment and perfection of the market economy,our country banking industry in business management and risk management and control has made remarkable achievements.But,unfortunately,the credit risk management,the development of China's banking industry still lacks a comprehensive and complete system of modern risk management concept.Risk management mechanism construction of risk management monitoring,risk quantitative analysis are still has a lot of problems.At the same time,from the point of theory research,academic circles at present for city business credit risk research is still in its infancy,research scope and the domain is not enough,the credit evaluation of internal control mechanism has yet to become academic research content.As main profit source of city business credit business,the credit risk prevention situation is still grim,urgently need to be more perfect and scientific risk management method and system.First of all,introduced the paper selected topic background and significance,research literature at home and abroad are summarized and concluded,and briefly explains the research content,method and path.Secondly,this paper introduces the basic theory of commercial bank credit risk,the theory includes the basic concept and the types of risks and characteristics,also include the international generally follow the commercial bank credit risk management theory is discussed and thinking: the assets and liabilities management theory,comprehensive risk management theory,portfolio management theory,the main view in the Basel capital accord.Again,this paper analyzes the management status of city businesses ofcredit assets and risk,and then to in our country commercial Banks as the research object,research of bank credit risk management present situation and problems;Finally,according to the above analysis,combined with the actual environment of our city businesses in,in view of the credit risk prevention put forward scientific and feasible countermeasures and Suggestions.In short,internal control system and supervision mechanism is to prevent the city businesses hard means of credit risk,and strengthen the moral construction bank employees is soft means to prevent city business credit risks.So there are only two kinds of means to combine,the banking credit business for their healtdevelopment of our country.