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The commercial bank is handles the currency credit service thefinancial facilitating agency, its basic service is the debt and theasset operation, the commercial bank concentrates through the businessoperating at a liability society's in each kind of idle capital thebank, in goes to the social economy various departments through theasset operation The commercial bank therefore in the loan concrete operating process,including the loan application, examines again throws over, provides,the step which takes back has many element of certainty, has had theso-called credit risk This article embarked from the credit risk characteristic, showed thecredit risk was inevitably exists, the right and wrong human factorcould control, this article take our country national condition as astandpoint, elaborated under our country credit risk origin as well asthe present situation, left behind including the history the partialquestions The credit operation is commercial bank's profit origin, itsmanagement goal also is gains, but because the credit risk existencecaused the bank to profit had not the determinism, regarding thisquestion solution west developed country, the Asian developing nationmany methods positive phase to was matureOur country commercial bankmay profit from? ?Through may see our country to our country withthese countries to the credit risk guard procedure comparison not tobemature in the credit risk guard method, urgently awaits toimprove, in view of these questions, this article proposed thesolution countermeasure, the credit risk management regardingcommercial bank's management management importance is self-evidentCertainly pitied the loan risk to guard against this work unceasinglyto develop innovation in the commercial bank today to yield someresults, for example the entire credit risk management system, themanagement to consummate day by day, but still existed insufficientIs unclear to many latent risks understanding, the credit risk guardstill had very long Lu Yaozou |
