Credit Risk Analysis and Countermeasure Research of China’s Commercial Banks

Yiran WANG


This paper analyzed the current situation of credit risk management of commercial banks in China, and analyzed the six risks that China’s commercial banks may face. Then, this paper pointed out four problems in the credit risk management of China’s commercial banks. Finally, according to the specific problems of China’s commercial banks, this paper put forward some concrete countermeasures to perfect the credit risk management of Chinese commercial banks. The article explores the issues in the field of finance. 


Credit risk; Commercial banks; Countermeasure

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Bester, H. (1994). The role of collateral in a model of debt renegotiation. Journal of Money, Credit and Banking, (26).

Stiglit, J. E., & Weiss, A (1981). Credit rationing in markets with imperfect information. American Economic Review, 71(3), 393-410.



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