n银行公司信贷业务信用风险管理研究

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1、万方数据ABSTRACTTHERESEARCHoNCREDITRISK№～NAGEMENToFENTERPRISELoANSoFNBANKAsakindofspecialenterpriseoperatingmoney，commercialbankswerebornwitlltheattributeofloanrisk．Asaresult，sincethebirthoftheday，banksareseekingmethodandmeanstoevadecreditrisk，tomaximizethecontrolofit．Creditriskmanagementisthecoreofbank

2、’Sriskmanagement；itisabouthowtorecognize，measureandmanagethecreditriskbycommercialbanks，onthatbasis，toeffectivelyguardagainstandcontrolcreditrisk，itisamethodofscientificmanagementachievingmaximumsecurityofcreditassetsatthelowestcost．Fromnowoninalongperiodoftime，thedirectfinancingmarketinChinaisunder

3、developed，phenomenaofthatindirectfinancingisgivenprioritytothefinancialsystemwillnotchange，whichguaranteethedominanceinbankdepositandlendingbusiness，makingthecreditassetsiSstillafirm’Smainassets．alsobecomethemainsourceofbankprofits．Howtoimprovethecreditmarketshare，improvethelevelofmanagementandriskc

4、ontrolability，willdirectlyaffectthebankstoimprovethecorecompetitivenessofthegoodrealizationofthegoalandstrategy．AllthismakescreditriskmanagementtheurgenttaskthatOurcommercialbankshouldface．CreditriskiSthemainriskfacedbycommercialBanks，thecreditriskofquantitativeresearchhasjuststarted，therearemanypro

5、blemsnotsolveintheory，intermsofthecreditriskmanagement，therearemanyissuesworthyofOurfurtherresearchintheoryanddiscussed．Gapinriskmanagement，isthebiggestgapbetweenOurcountrycommercialBanksandforeignadvancedBanks，anditisalsotherootcauseoftheweakoverallcompetitivenessandprofitabilityofcommercialBanksin

6、China．AsthetrendofworldeconomicintegrationtobestrengthenaswellastheimplementationofthesystemoffinancialindustryafterChina'saccessiontotheWTOentry，Ourcountrybankingindustrywillfacemoreintensemanagementmethods，competition．Inthiscase，tostrengthentheresearchofcreditriskcombinedwiththeactualsituationinOu

7、rcountry，itisveryimportant．Therefore，researchoncommercialbankcreditriskmanagementhasverystrongtheorysignificanceandpracticalsignificance．III万方数据Thisarticlefirstlydefinestheconceptsofthecreditriskandcr