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1、文献出处:MishraU.Theresearchofcommercialbankcreditriskmanagement[J].InternationalJournalofMultifacetedandMultilingualStudies,2017,1(2)：13-29.原文TheresearchofcommercialbankcreditriskmanagementMishraUAbstractCommercialbankshaveadecisivepositionincountry'seconomicandsocial
2、development,thelifebloodofthenationaleconomyandeconomicsecurity.Commercialbankcreditriskmanagementispartoftheriskmanagementsystem,andthemostimportantpartofthemainincludingoperation,credit,customerandmarket,country,etc.Allkindsofrisks.Basedoncommercialbankcreditrisk
3、managementonthebasisofgeneralanalysisandcombingrelatedtheory,analyzedthecommercialbankcreditriskmanagementhistoricalchangeandtheimportantcharacteristics,causesandriskidentification,riskandriskmanagementwayofslow-release,measurementandevaluation,internalcontrolmecha
4、nisms.Keywords:commercialBanks,creditrisk,strategicmanagement1IntroductionIntoday'ssocietyeconomieshavesuchintermediariesbyBanks,formcloseandinterdependentrelationship,betweenthebankandthebankhasalsobecomeasymbioticcreditnetworkecosystem.Onceabankappearproblem,Bank
5、sandvarioustypesofeconomies,Banksbetweenthebankandpaythechainwillbreak,resultinginadebtchainreaction.Duetothecommercialbankcreditcreationfunction,thecauseofcreditrisktoadominoeffectofmagnification,acceleratetheimpactonthefinancialsystem,thenormalsocialpaymentmechan
6、ismwillbeblockedoreveninterrupt,andquicklyspreadtoothersocialandeconomicmainbody,leadtothefinancialcrisisandeconomiccrisis,triggeredawiderrangeofeconomicandsocialunrest.Thereasonsforformationofcreditriskiscomplexandvaried,haveanygeneralrootcauseofatotalofeconomyand
7、society,andthegovernment'sbankinstitutionalarrangementsandtheparticularityofBanks;Bothpoliticalfactors,factorsofeconomiccyclefluctuation,andmoralandlegalfactorssuchasnaturaldisastersandevenloanfraud.2LiteraturereviewFromthemiddleofthelastcentury,thedevelopmentmoder
8、nmicrofinancialmethod,onthebasisofitsflourishwasbornthecreditriskmanagementtheory.Asafertilegroundforthedevelopmentofitstheory,westerncommercialB
