Since the reform and opening up, the banking industry, as an important part of the economic and financial system, has also realized the transformation from a single national banking system to a commercial banking system required by the market economy, and has been greatly developed. However, due to the influence of internal and external factors, the further development of China's commercial banks has been restricted. At the same time, the scale of non-performing assets in China's commercial banking system is too large and the risk management level is low, which also hinders the development of the financial industry to some extent. This paper attempts to find solutions from two aspects: financial system and credit management means by analyzing the performance, reasons, current situation and existing problems of credit risk management of commercial banks in China.

The main method adopted in this paper is to discuss credit risk management through theoretical analysis, integrating theory with practice, hoping to provide reference for the improvement of bank credit risk management through systematic study of credit risk status of commercial banks in China.

Keywords: commercial banks; Credit risk; risk management

abstract

Since the reform and opening up, the banking industry, as an important part of the economic and financial system, has realized the transformation from a single state-owned banking system to a commercial banking system that meets the requirements of the market economy, and has made considerable progress. However, due to the influence of internal and external factors, the further development of China's commercial banks has been restricted. Under the background that China's commercial banks have large non-performing loans and low risk management level, this paper analyzes the credit risk performance, causes, current situation and problems of credit risk management of China's commercial banks in detail, and solves the problems from two aspects: financial system and credit management means.

The method is mainly the method of theoretical analysis and discussion on credit risk management, integrating theory with practice; It is hoped that through the study of the credit risk status of commercial banks in China, it can provide reference for the credit risk management of banks.

Keywords: commercial banks; Credit risk; risk management

catalogue

Abstract ........................................................ I.

........................................................ II

1 Open ..................................................... 1

1. 1 research background ................................................... 1

1.2 the purpose and significance of the study ........................................... ii

1.2. 1 research objective ............................................... 2

1.2.2 research significance ................................................. 2

1.3 research status at home and abroad ............................................. 3

1.3. 1 foreign research status ............................................. 3

1.3.2 domestic research status ............................................. 3

1.4 research methods and contents ........................................... iv

1.4. 1 research methods ............................................... iv

1.4.2 research content ............................................... iv

2 the theoretical basis of credit risk management of commercial banks ................................. 6

2. 1 Definition of credit risk ............................................. 6

2.2 Types and characteristics of credit risk ....................................... 6

2.2. 1 credit risk type ........................................... 6

2.2.2 Characteristics of Credit Risk ........................................... 8

2.3 Theory ............................................. 9.

2.3. 1 asset management theory ............................................. 9

2.3.2 comprehensive asset-liability management theory ..................................... 10

2.3.3 Risk Asset Management Theory ......................................... 1 1

3 Causes and Analysis of Credit Risks of Commercial Banks ................................. 12

3. 1 Causes of Credit Risk of Commercial Banks ..................................... 12

3. 1. 1 overall social and economic reasons ................................... 12

3. 1.2 Enterprise reasons ....................................... 13

3. 1.3 bank reasons ....................................... 14

3.2 Credit Risk Analysis of Commercial Banks ..................................... 14

Credit Risk Analysis Process ....................................... 14

3.2.2 Basic elements of credit analysis ....................................... 15

3.2.3 Loan Risk Early Warning ........................................... 19

4 Commercial Bank Credit Risk Management Status and Countermeasures ............................. 20

4. 1 China Commercial Bank Credit Risk Management Status ............................... 20

4.2 Commercial Bank Credit Risk Management Countermeasures ................................... 23

On the conclusion of ........................................................ 25

Refer to ........................................................ 26

Thanks to ........................................................ 27

Attachment1....................................................... 28

Annex 2 ....................................................... 32