The Application of Risk-based Loan Classification Management for Commercial Bank of A

Credit risk management is a constant theme in the management of commercial banks . China 's commercial banks credit risk management of the urgent need to address an important topic for research, not only has an important theoretical research value and reduce our financial risk , and enhance the international competitiveness of China's banking industry , as well as to promote China economic reform and political reform , has a very important practical significance . In this paper, on the basis of full investigation and diagnosis A commercial bank loan risk classification management practices , the establishment of a comprehensive classification of multi-factor scoring model , an empirical analysis of the classification model by choosing A large number of commercial bank loans information , and further integration technology in practice and tools to provide new ideas and tools for the development of the management of loan risk classification , risk classification management and commercial banks to make a comprehensive and systematic assessment notes , issues of A commercial banking loan risk classification process , application and learn advanced classification of credit risk management theory and methods proposed solutions and policy recommendations , I hope to provide some useful lessons and reference A commercial bank loan risk classification management to initiate prevention in the context of financial globalization for China's commercial banks and provide theoretical support and intelligence help resolve the credit risk .