Research On Improvement Of Credit Risk Management System Of Ningxia Zhongwei Commercial Bank

Credit risk management is one of the core contents of risk management of modern commercial banks.Over the past decade,credit risk management has become one of the most critical and challenging areas of risk management in commercial banks.With the increasingly complex financial markets,the development of derivative fin,ancial instruments,commercial banks,credit risk exposure began to multiply,the nature is more complex.In 2007,the global financial crisis caused by the outbreak of the "subprime mortgage crisis" in the United States intensified,making the credit risk management of commercial banks become the focus of international and domestic financial circles.For China,the current financial market liberalization is still in the initial stage,the loan still accounts for the absolute proportion of total assets of banks,commercial banks are facing the greatest risk is the credit risk.Therefore,the establishment of a scientific credit risk management system for commercial banks and the long-term development of health is essentialThis paper takes Ningxia Zhongwei Rural Commercial Bank as the research object.Firstly,it summarizes the characteristics,classification and management theory of commercial credit risk.Secondly,it describes the general situation and the current situation of credit risk in Ningxia Zhongwei Rural Commercial Bank,and analyzes its existing problems and reasons in the process of credit risk management.Finally,the author puts forward some suggestions on the problems in the process of credit risk management in Ningwei Zhongwei Rural Commercial BankBased on the problems in the process of credit risk in Ningxia Zhongwei rural commercial banks,from improvement,improvement of credit risk management of credit risk management system,the credit risk management process improvement three aspects to design the Ningxia Zhongwei Rural Commercial Bank improvement project of rural commercial bank credit risk management,to control the credit risk provided scientific rationalization proposals,as well as other domestic commercial bank credit risk management provides a theoretical basis and experience for reference,research results have theoretical significance and practical significance.