At present, the core business of China's commercial banks is still credit business, and credit risk has become the biggest financial risk of China's commercial banks, and it is also one of the core elements to be controlled in their operations. The research on credit risk management of commercial banks can ensure the bank's operation safety, obtain the best effect of controlling credit risk with the least loss, and nip in the bud. Reducing the proportion of non-performing loans is not only related to the survival and development of commercial banks in China, but also affects the effect of preventing financial risks, protecting the stability of the financial industry and ensuring the safe operation of finance. Therefore, the identification, prevention and control of credit risk have a decisive impact on the operating results of commercial banks, and credit business approval, as a key link in credit risk identification and control, is the top priority of commercial banks' risk management. Since June 5438+February 2006 1 1, China's financial industry has entered a period of full opening to the outside world. China has opened its RMB business to foreign banks, lifted its geographical restrictions and other non-prudential restrictions on its business, and fulfilled China's commitment to implement national treatment for foreign banks when it joined the World Trade Organization. This also means that Chinese commercial banks will compete with foreign banks on the same starting line, but we must realize that there is still a big gap between Chinese commercial banks and foreign banks in terms of capital scale, management technology, product innovation and risk management level, especially the credit risk management of commercial banks. Based on foreign advanced credit risk management technology and management theory, it is necessary to study the credit risk management model suitable for commercial banks in China. Based on this background, this paper discusses the subject of credit risk management of commercial banks.
Risk management is the premise of maintaining the liquidity, integrity and effectiveness of commercial banks, and it is the eternal theme of the development of commercial banks. Under the increasingly complex international and domestic economic and financial environment, whether effective risk management can be implemented is an important yardstick to measure the core competitiveness of commercial banks.
At present, the core business of China's commercial banks is still credit business, and credit risk has become the biggest financial risk of China's commercial banks, and it is also one of the core elements that commercial banks need to control. The research on credit risk management of commercial banks can ensure the business safety of banks, obtain the best effect of controlling credit risk with the least loss, and nip in the bud. Reducing the non-performing loan ratio is not only related to the survival and development of China's commercial banks, but also affects the effect of preventing financial risks, protecting the stability of the financial industry and ensuring the safe operation of finance. Therefore, credit risk identification, prevention and control have a decisive impact on the operating results of commercial banks, and credit review and approval, as a key step in credit risk identification and prevention and control, is the top priority in risk management of commercial banks. Since 20061February 0, China's financial industry has entered a period of full opening to the outside world. China has opened its RMB business to foreign banks, and cancelled the restrictions on business areas and other non-prudential restrictions, thus fulfilling the promise of implementing national treatment for foreign banks when China joined the World Trade Organization. This also means that China's commercial banks will compete with foreign banks on the same starting line, but we must realize that there is still a big gap between China's commercial banks and foreign banks in terms of financial scale, management technology, product innovation and risk management level, especially in the credit risk management of commercial banks, and we should study the credit risk management model suitable for China's commercial banks on the basis of drawing lessons from foreign advanced credit risk management technology and management theory. Under this background, this paper discusses the subject of credit risk management of commercial banks.