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With financial globalization, the accelerated process of electronic, international financial market integration and liberalization of steady progress, countries or regions to intensify the increasing financial supervision. This makes China’s economic development is at a very critical period, which has been fully open to the risk management system of banking, technology and standards have posed a severe challenge. And the Western developed countries, especially compared to commercial banks, commercial banks in China as the credit business is still the main source of profit, then the commercial banks in the current face of various risks, credit risk has become in the course of commercial banks face the most important, the most deadly risk, Taizhou Agricultural Bank of China is no exception.Combined in recent years has taken place in China Trust and Investment Corporation Bank is closed, payments crisis, and urban credit cooperatives in Hainan, Hainan Development Bank was closed and other events. Although credit risk is not necessarily caused by these financial institutions off the direct cause, but the credit risk in its financial risk during the formation of gestation occupy an important position. The international financial crisis on the serious impact of economic forms, but the staggered clusters domestic economic contradictions, economic growth and inflation the contradiction between the increasingly prominent, such a case, credit risk management considerations with the smoothness of Commercial Banks over the financial crisis and confidence in the ability of the test.Meanwhile, as the cornerstone of bank management, risk management and commercial banks as the embodiment of core competence. After joining WTO for domestic commercial banks, credit risk control, optimize credit structure, need more sustained effort, credit risk management task is still arduous. Therefore, Taizhou ABC for the prevention of credit risk issues become increasingly in importance as the top priority of their daily work. However, credit risk management of the Agricultural Bank of Taizhou, whether in technology, methods and concepts, or in the system, all commercial banks in developed countries there is a big gap. In view of this, especially in the current economic crisis, how effective risk management and business development to master the balance, strengthen the Agricultural Bank credit risk management to explore and improve the level of credit risk management Taizhou Agricultural Bank of China, Agricultural Bank of China has become a very prominent problem in Taizhou.
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