Study On Credit Risk Management Of N State-owned Commercial Banks In Lianyungang City

With the outbreak of the financial crisis in 2008,the domestic and international economic situation has undergone tremendous changes.With the continuous progress of financial reform and the deepening impact of financial globalization,traditional banks’ access to profits has been hit.Credit loan business is still the main source of bank profits,meanwhile credit loan has been the principle risk of banks.This puts forward a severe test to the credit risk management of China’s commercial banks.It is urgent to improve the level of credit risk management and prevent credit risk.This paper has reviewed and organized the literature and theoretical achievements from both domestic and foreign commercial bank credit risk management,summarized the commercial bank credit risk management theories and related research,and theoretically discussed the importance of commercial bank credit risk management.In combination with the practical situation of N state-owned commercial banks in the city of Lianyungang,this paper has introduced overall situation of the state-owned commercial banks credit business,including the profile of the development of credit business and credit risk management.Existing problems in Lianyungang state-owned commercial banks credit risk management will be raised and the targeted solving strategies will be proposed,which lays a foundation for the improvement of credit risk management system of commercial banks and draws experience and lessons from it.In this paper,both domestic and foreign commercial bank credit risk management has been studied and been used to combine with practical situation of N state-owned commercial banks in the city of Lianyungang.Existing problems and targeted solving strategies have been provided,which might be helpful to reduce the probability of occurrence of credit risk and minimize economic losses of N state-owned commercial banks in Lianyungang.