论我国商业银行信贷风险的质量管理（On the quality control of credit risks of commercial banks in China）.docVIP

论我国商业银行信贷风险的质量管理（On the quality control of credit risks of commercial banks in China） Abstract: with the further development of Chinas reform and opening up and the market economy, the state-owned commercial banks Production. Quality continues to decline and credit risk continues to rise. I think China has basically established a letter loan risk Insurance management system, but there are still many disadvantages. Therefore, we should draw lessons from the innovation of credit risk management in Western banks On the basis of the actual situation of our country, the paper puts forward some policy suggestions to improve the quality of bank credit risk management in china. With the deepening of the reform, Chinas financial industry is being gradually established, in accordance with international practices and market discipline The modern commercial banks run by the economic rules. Banking is a typical risk industry, and a sound and scientific risk management The system is the premise guarantee for the safe and effective operation of commercial banks. Long term business practice of western commercial banks Has accumulated a wealth of risk management experience, which is toward internationalization and marketization of Chinas banks Undoubtedly, it is of great significance for reference. First, the western commercial banks credit risk quality management methods outlined At present, the innovation of credit risk quality management in western commercial banks mainly includes: credit culture, Risk rating system, loan pricing, loan loss prediction, loan portfolio management and loan supervision Chinese bank credit culture is the basis for the implementation of various credit risk management methods. 1. credit culture. Credit culture is the sum of loan environmental factors that encourage a certain loan behavior. Pack it Including bank lending philosophy and policy value orientation, importance of the identification, management communication, loan officer training Etc.. Credit