Introduction 3

I. Current situation of credit fund management in commercial banks 3

Second, the problems in the operation and management of credit funds in China's commercial banks 4

(1) The decision-making level of credit fund allocation is low and the subjects are diversified.

(B) the distribution and means of credit funds are backward 5

(C) credit funds transfer price system is not perfect 6

Three, credit risk management method analysis of credit funds 6 pages

(A) the causes of credit risk 6

(B) methods to avoid the credit risk of funds 8

(c) Changes in capital prices and risk management 9

Fourth, China's commercial banks improve fund management 1 1

(A) the establishment of fund management is the main concept of commercial banks 1 1

(2) Reform the banking system

(3) Optimizing monetary policy tools 12

(D) Adopt the strategy of coordinated management of intermediary services and capital investment 14

Reference 14