Research on credit control and management of commercial banks

With mounting economic pressures in China, commercial banks are witnessing a continuous rise in non-performing loans, making credit risk management a renewed focus of attention. Effective risk management and control in credit operations serve as both essential require-ments for maintaining the healthy development of China's financial market and vital strate-gies for commercial banks to sustain competitiveness. When handling complex credit port-folios, how to effectively mitigate credit risks has become a critical challenge requiring in-depth research by grassroots commercial banks. This paper analyzes existing models and challenges in credit risk management within Chinese commercial banks, while proposing practical approaches to enhance risk management capa-bilities through real-world imple-mentation.