This is my graduation thesis . I need your help ~~~thank you very much !!!!!! Who can help me ? Analysis of bank credit business environment and risk control Abstract 　　　At the end of 2012, the total assets of Chinese banking financial institutions133.6 Yuan, growth of 17.95%, growth and basically the same as in 2011, commercial banks to achieve a net profit of 1238600000000 Yuan, up 18.96%.The main supervisory indicators of commercial banks, the CBRC issued in 2013by the end of 2012, the balance of bad loans of commercial banks amounted to 492900000000 Yuan, non-performing loan ratio continued to decline. The commercial bank is a final aim of enterprises to maximize profits, credit businesses the core business of 　　　Commercial banks, the absolute proportion of credit assets to total assets, therefore, credit risk will affect the normal operation of the commercial banks. The rate of bad loans is one of the important indexes to evaluate the security of credit assets of commercial banks, high non-performing loan rate shows that the financial institutions to recover the loan risk. So the credit risk is the basis for the survival and development of commercial banks. The bank credit assets to bring benefit of commercial banks at the same time, there is a significant risk, requiring commercial banks to credit risk management. How to ensure the effective control of credit risk of bank credit income is the core content of business risk management. 　　　Based on our comprehensive strength ranked in the top ten of assets, commercial banks non-performing loans and non-performing loan ratio changes. Analysis of China's commercial banks in 2012 to credit environment, and through the provision coverage analysis about the commercial banks for risk resistance ability. Then analyzes the existing in the credit risk control problems of commercial banks in China to put forward the corresponding countermeasures, for commercial banks to improve credit risk control to put forward some suggestions. 　　　Keywords:  commercial banks, credit, non-performing loans, risk control

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