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1、文献出处:MishraU.Theresearchofcommercialbankcreditriskmanagement[J].InternationalJournalofMultifacetedandMultilingualStudies,2017,1(2):13-29.原文TheresearchofcommercialbankcreditriskmanagementMishraUAbstractCommercialbankshaveadecisivepositionincountry'seconomicandso
2、cialdevelopment,thelifebloodofthenationaleconomyandeconomicsecurity.Commercialbankcreditriskmanagementispartoftheriskmanagementsystem,andthemostimportantpartofthemainincludingoperation,credit,customerandmarket,country,etc.Allkindsofrisks.Basedoncommercialbankcr
3、editriskmanagementonthebasisofgeneralanalysisandcombingrelatedtheory,analyzedthecommercialbankcreditriskmanagementhistoricalchangeandtheimportantcharacteristics,causesandriskidentification,riskandriskmanagementwayofslow-release,measurementandevaluation,internal
4、controlmechanisms.Keywords:commercialBanks,creditrisk,strategicmanagement1IntroductionIntoday'ssocietyeconomieshavesuchintermediariesbyBanks,formcloseandinterdependentrelationship,betweenthebankandthebankhasalsobecomeasymbioticcreditnetworkecosystem.Onceabankap
5、pearproblem,Banksandvarioustypesofeconomies,Banksbetweenthebankandpaythechainwillbreak,resultinginadebtchainreaction.Duetothecommercialbankcreditcreationfunction,thecauseofcreditrisktoadominoeffectofmagnification,acceleratetheimpactonthefinancialsystem,thenorma
6、lsocialpaymentmechanismwillbeblockedoreveninterrupt,andquicklyspreadtoothersocialandeconomicmainbody,leadtothefinancialcrisisandeconomiccrisis,triggeredawiderrangeofeconomicandsocialunrest.Thereasonsforformationofcreditriskiscomplexandvaried,haveanygeneralrootc
7、auseofatotalofeconomyandsociety,andthegovernment'sbankinstitutionalarrangementsandtheparticularityofBanks;Bothpoliticalfactors,factorsofeconomiccyclefluctuation,andmoralandlegalfactorssuchasnaturaldisastersandevenloanfraud.2LiteraturereviewFromthemiddleofthelas
8、tcentury,thedevelopmentmodernmicrofinancialmethod,onthebasisofitsflourishwasbornthecreditriskmanagementtheory.Asafertilegroundforthedevelopmentofitstheory,westerncommercialB