商业银行信贷风险管理机制分析-工商管理专业论文.docxVIP

II II ABSTRACT Commercial banks p1ay an important role in China’s economy. Though the commercial bank reform ,especially the credit risks management mechanism, makes a great progress; based on the economy rapid and continual development ,the amount of bad loans declines continually ,the situation isn’t optimistical, for the press of increasing bad loans is also great , the situation of economy gets to bad. This paper makes thorough analysis on Commercial bank credit risks control academically and practically，based on several years’ working experience on credit of commercial banks, the writer systematically ana1yzes the Problems of the credit risk management mechanism of commercial banks, then gives the way to bui1d an Perfect credit risks management mechanism of the commercial banks. ①The management of credit risks is necessary for the information dissymmetry in credit business, the imperfect credit contact, the difficulty of transaction of credit assets, running by high debt. ② The credit risks should be managed comprehensively, systematically, scientifically, sensitively. The credit risks management mechanism should include four sub-systems：identifying and measuring credit risks system, controlling credit risks system, alarming credit risks system, solving credit risks system. ③At present, the credit risks management mechanism has a lot of problems, including that the identifying and measuring credit risks system is disfigurement, the controlling credit risks system is not sound, the decision-making system of credit risks is not scientific, the alarming credit risks system and the solving credit risks system are not perfect, the inspiring and restrict system is not effective. All the problems corrode the profit of commercial bank, make the environment of credit worse. ④Through the analysis, the paper provides the way to improve the credit risks management mechanism. ⑤The paper takes chongqing branch of The China Citic Bank as an example, analysises its cre