文档介绍：西南交通大学硕士研究生学位论文第1I页 Abstract Itiswellknown thatcreditriskmanagement isthe core part of riskmanagement mercial hasbeen considered asthemost key and challenging part in riskmanagement area since continuous developments offinancialmarket and financial derivatives make thecreditrisksurging alarge global economic slowdown caused by“sub—prime”debt urred .,now thecreditriskmanagement ing truly ,the current financial market liberalization inChina isstill attheprimary stage,and theloans stilltake the largepropitiate oftotalbank thislight,the creditriskis one ofthebiggest mercial bank todealwith. Theapproach ofChina’Sreform andopening·up,especially theentrance ofWTO accelerating the financial globalization mercial bank,which intum mercial banks develop considerably tothe<<Basel Capital Accord>>and credit riskmanagement model in banks ofwestern developed countries, Chinese banks are stillinthebeginning aresome shortages inrisk management mechanism,such astheproblems increditstmcture,creditoperating process,credit supporting system and achievement appraisal bank inChina has not plished operating index ofoptimizing therelationship of riskand return andincreased boththefinancialandoperating mercial bank. Thispaper undertakes adetailedanalysis ofcreditriskmanagement based on the realexamples ofcreditriskmanagement model ofGuangdong Development primarilyanalyzes the current situationofcreditriskmanagement mercial banks andthe reason toapply fortheusefulpracticalexperience from some advanced foreign banks likeAmerican bank andSingapore bank inorder to illustratelessons from itconcludes with afurther anddeep study on the 西南交通大学硕士研究生学位论文第1II页 aspects of furtherdirection ofcredit riskmanagement,environment forrefining credit riskmanagement,and creditriskmanagement mechanism which willbeadaptable to constant financialenvironment. Keyword:Strategy,Ma