With the continuous development of the banking industry and the strengthening of national regulatory requirements,the credit risk management of commercial banks has become an important issue.From the aspect of digital management system,this paper discusses the necessity of digital credit risk management of commercial banks,and puts forward the construction framework and management criteria of digital credit risk management system.By combing the relevant research and practical experience at home and abroad,this paper summarizes the key indicators and operational processes of the digital credit risk management system of commercial banks,analyzes the effects and existing problems of the digital credit risk management system,and puts forward corresponding improvement suggestions.
关键词
商业银行/信用风险数字化管理/指标/操作流程/实践
Key words
commercial bank/digital management of credit risk/indicators/operational process/practice
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