China’scommercialbankscreditriskmanagementanalysisAbstract:Creditriskisthebasicriskfacedbythecommercialbanks,iscurrentlythemainfinancialrisksofChinesecommercialbanksbanksalargenumberofnon-performingassetsandforeignbankcompetition,sotoimprovethebank’screditriskmanagementtobecomeChina’sbankingindustryisfacingimportantthethemeissuespaperwillbecommercialbankcreditrisk,analyzecreditriskhazardsandtheimportanceofcreditriskmanagement,toexplorethedefectsandshortcomingsoftheChinaBankingCreditRiskManagement,andproposedsolutions.Keywords:banks,creditrisk,riskmanagementAChinesecommercialbankcreditriskmanagementPreviously1.1flawedbankingsystemreformandopeningup,China’splannedeconomicsystem,finance,thebankisthebasicpatternofthefinancialandbankingsystembyhighlycentralizedprogrammanagementandadministrativeconstraintsasthemainfeatureafteryearsofreform,thecorporategovernanceofstate-ownedcommercialbanksstructurehasmadegreatprogress.---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---However,moderncommercialbankingsystemhasnotyetbeenestablished,pendingfurthersolvethefundamentalproblemofmoderncorporategovernancestructure.corporategovernancestructurefundamentallyflawedfocusisdifficulttodeepenthereformofcommercialbanks,butalsocreditsourceofrisk.corporategovernancedeficienciesnotonlymakestheweakfoundationofChinesecommercialbankscreditriskmanagement,butalsoseriouslyhamperedthedevelopmentofstate-ownedcommercialbanks.1.2organizationandmanagementsystemisimperfectAlthoughChina’scommercialbanksgenerallyimplementedasystemofseparationofapprovalandlendingAccountManagerisresponsibleforissuingloans,CreditRiskManagementDepartmentisresponsibleforreviewingloans,CreditRiskManagementDepartmentloancustomersdirectcontacttoavoidloanrisks,butcomparedwithforeigncountries,thecreditdepartmentofthedomesticcommercialbanksandloanreviewdepartmentsindependentmorebyoutsideinterference,theprincipleofindependenceisnotreflectedinthework,andthedepartments,jobubiquitousinterfacebetweenunclearresponsibilitiesunknownphenomena.manyChinesecommercialbankssuchin---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---ternalorganizationalstructurewithastrongadministrativecolors,cannotfullymeetthebusinessobjectivesaswellastheoperatingenvironmentchanges.1.3riskmanagementtoolsandtechniquesbehindinrecentyears,China’scommercialbankstostrengthencreditriskmanagement,hasgraduallyestablishacreditriskmanagementsystemwithinternationalbanks,commercialbankcreditriskmanagementinbothmetricmethod,dataacquisition,dataprocessing,ortheresultofcreditriskmanagementandinspection,thereisaconsiderablegap,thusgreatlylimitingtheroleofthecreditriskmanagementsystemrevealandcontrolcreditrisk.1.4creditriskmanagement,thelegalsystemdefectsinChina’sbankingsectorisinahighlycentralizedplannedeconomysystem,haslongbeenthebankstotakeexcessivefinancialfunctions,commercialcreditbusinessandpolicy-basedlendingbusinessdidnotdistinguish,Bankgenerallackofriskawareness,andcountriesitisalsonoriskofliabilityrequirements,andthusChina’slong-standingbankriskregulationsuntilthe1990s,thecountryhasacceleratedthepaceoffinancialreform,ontheonehandtogui---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---dethestate-ownedspecializedbanksgraduallytocommercialtransitionbank,ontheotherhandstartingtofocusonsupportingtheestablishmentofthesys...