Study on Problems and Countermeasures of Chinese Commercial Banks’ Credit Risk Management
ABSTRACT
Credit risk management is one of the key contents of Chinese commercial banks' risk management. Recently, with the quick development of our country's economy, Chinese commercial banks are facing unprecedented severe test, the serious credit risk has become commercial banks' hidden trouble during the management. Commercial banks' credit risk management is becoming one of a hot topic which is widely talked by commercial banks' leaders and scholars.
At first, the paper has analyzed the problem of Chinese commercial banks' risk management. Then, the paper has analyzed the main reasons for it, such as the rate of non-performing loan is higher, the recovery is low, the mode and system of credit risk management is not perfect, credit risk early-warning mechanism is imperfect and so on. At last, the paper has put forward some measurements and suggestions in order to enhance Chinese commercial banks' risk management, for example, establish perfect credit risk management model and system, establish a standardized, scientific risk early-warning mechanism.