资源描述：
《china's commercial banks credit risk management analysis（中国的商业银行信贷风险管理分析）》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。
1、China’scommercialbankscreditriskmanagementanalysisAbstract:Creditriskisthebasicriskfacedbythecommercialbanks,iscurrentlythemainfinancialrisksofChinesecommercialbanksbanksalargenumberofnon-performingassetsandforeignbankcompetition,sotoimprovethebank’screditr
2、iskmanagementtobecomeChina’sbankingindustryisfacingimportantthethemeissuespaperwillbecommercialbankcreditrisk,analyzecreditriskhazardsandtheimportanceofcreditriskmanagement,toexplorethedefectsandshortcomingsoftheChinaBankingCreditRiskManagement,andproposeds
3、olutions.Keywords:banks,creditrisk,riskmanagementAChinesecommercialbankcreditriskmanagementPreviously1.1flawedbankingsystemreformandopeningup,China’splannedeconomicsystem,finance,thebankisthebasicpatternofthefinancialandbankingsystembyhighlycentralizedprogr
4、ammanagementandadministrativeconstraintsasthemainfeatureafteryearsofreform,thecorporategovernanceofstate-owned15commercialbanksstructurehasmadegreatprogress.However,moderncommercialbankingsystemhasnotyetbeenestablished,pendingfurthersolvethefundamentalprobl
5、emofmoderncorporategovernancestructure.corporategovernancestructurefundamentallyflawedfocusisdifficulttodeepenthereformofcommercialbanks,butalsocreditsourceofrisk.corporategovernancedeficienciesnotonlymakestheweakfoundationofChinesecommercialbankscreditrisk
6、management,butalsoseriouslyhamperedthedevelopmentofstate-ownedcommercialbanks.1.2organizationandmanagementsystemisimperfectAlthoughChina’scommercialbanksgenerallyimplementedasystemofseparationofapprovalandlendingAccountManagerisresponsibleforissuingloans,Cr
7、editRiskManagementDepartmentisresponsibleforreviewingloans,CreditRiskManagementDepartmentloancustomersdirectcontacttoavoidloanrisks,butcomparedwithforeigncountries,thecreditdepartmentofthedomesticcommercialbanksandloanreviewdepartmentsindependentmorebyoutsi
8、deinterference,15theprincipleofindependenceisnotreflectedinthework,andthedepartments,jobubiquitousinterfacebetweenunclearresponsibilitiesunknownphenomena.manyChinesecommercialbankssuchinternalorganizat
