Abstract
Credit risks is that financial market mounts one of the most antiquated risk , is also the most common cause leading to a commercial bank go bankrupt. That reason why, credit risks are managed is an entire commercial bank manage one of key link in process. Present , ceaselessness facing the financial market environment change and join abroad banking competition been confronted with by the WTO queen, credit rating system is at present in the homeland fairly extremely not mature but although our country being also to development of theory and actual application having quite a few, how as soon as possible to improve credit risks control level already becoming the most urgent problem facing our country commercial bank , the main body of a book is passed analyzing the parallel mature sum abroad credit risks magnanimity model , is tied in wedlock and our country commercial bank reality, be that the credit risks magnanimity model founding our national condition suitable carries out preliminary research.
Keywords: Commercial bank Credit risks credit risks magnanimity model