Problems and Strategies of Credit Management of Chinese Commercial Banks

There are great differences between Chinese commercial banks and foreign banks in credit management method,system and control system,etc.which cause that Chinese commercial banks cannot build long-term credit mechanism focusing on risk prevention,large bad loans cannot be solved,and new risks appear frequently.Hence,we should establish credit evaluation mechanism and com-prehensive credit rating system combining constraint and encouragement,improve credit management system of commercial banks and prevention mechanism of credit risk,increase credit authority of grassroots banks,and take strict system of accountability to guarantee the role of commercial banks.