城市商业银行信贷风险管理机制分析-金融学专业论文.docxVIP

ABSTRACT With the reform of Chinas commercial banks in-depth, city commercial bank has gradually gained rapid development in the city, in the management of city commercial bank credit risk management as one of the most important management project, management performance and city commercial banks and the overall management level has a direct relationship. Financial risk events frequently appeared in the international banking industry, city commercial banks in China has also been a great influence. For the further improvement and development of Chinas city commercial bank credit risk management idea and technology, domestic firms to the city of financial credit risk management and discussed in-depth reflection. In the two zero zero four release of the new Basel Capital Accord refers to a bank credit risk standard for Chinas banking industry has a high reference significance. Chinas city commercial banks according to the agreement has put forward new ideas, new requirements on credit risk management, to develop specific measurement standards and methods, but the construction of credit risk management system is still relatively backward. This paper, based on the theory of economic information, using parallel normative research and case analysis, induction together with deduction, and comparative research, makes on-spot investigation and scientific screening of many city commercial banks. Taking ABC city commercial bank as the research object and making systematic analysis and research of its common credit risk problems, this paper draws the conclusion under the theme of constructing overall framework of internal control of China’s city commercial bank credit risk management that our city commercial bank credit risk management practice should construct and perfect the credit risk evaluation system, and gradually strengthen the credit risk internal control system, meanwhile, credit risk early warning system and as soon as possible the credit risk mitigation system wi