文档介绍：我国商业银行信用风险管理研究Creditis the mainrisk is themayorAbstractrisk that Chinese merchant banks face andfactor of Chinese financial risk at present. How to raise thelevel of credit risk management is an important task of Chinesemerchant banks and is one of the hot topics in academic circles. Underthe guidance of the New Basel Capital Accord, adopting qualitative andquantitative methods of study, this thesis thoroughly discusses the creditrisk management problems of Chinese merchant thesis begins with the introduction of theories in credit riskmanagement. Based on the analysis of credit risk's economic aftereffects,it puts forward the target and principles of credit risk management, andintroduces the process and technology of credit risk , it outlines the current situation of Chinese merchant banks'credit risk management and discusses factors which lead to the seriouscredit risk in Chinese merchant banks and existing problems which needto be solved in the credit risk management. Lastly, it puts forwardcountermeasures to solve these problems: adopting credit riskmeasurement technique, applying credit risk management strategies andestablishing and perfecting the credit risk prevention system. In the partof adopting credit risk measurement technique, the thesis analyzes theconnotation, function and significance of credit risk measurement,summarizes the principium of credit risk measurement, discusses theapplicability of popular credit risk measurement models in Chinesemerchant banks and puts forward the assume of designing Chinese owncredit risk measurement model. In applying credit risk managementstrategies, the thesis summarizes the principium of credit riskmanagement strategies, outlines the present situation of adopting creditrisk management strategies and discusses how to apply the credit riskmanagement strategies in Chinese merchant banks. In establishing andperfecting the credit risk prevention system, the thesis puts forward thepreventive me