关于国有商业银行信贷资产风险管理的战略思考

Strategic Thought on Risk Management of Credit Assets by State-Owned Banks

加强信贷资产的风险管理水平,提高资产质量,防范和化解不良资产是国有商业银行增强赢利能力、提高竞争力的重要手段,也是国有商业银行目前的首要任务。本文从经济金融全球化对国有商业银行信贷风险管理的影响出发,提出国有商业银行要树立正确的风险管理观念,并设计了国有商业银行信贷风险管理的若干原则、总体框架和战略步骤。为配合国有商业银行信贷资产风险管理战略的实施,作者还提出了以下改革举措,包括:调整信贷内部结构;再造信贷管理流程;创新不良资产处置方式;正确选择和安排财务策略;建立信息和法律支撑平台、激励和处罚体系及信贷风险文化等。

To improve risk management of credit assets, upgrade asset quality, avert and reduce bad assets are important means used by state-owned commercial banks to enhance profitability and sharpen competitive edges. It is also a top p riority for them at present. In view of the impact of financial globalization o n credit risk management by state-owned commercial banks, it is proposed that st ate-owned commercial banks should have a correct view of risk management and map out principles, framework and strategic measures in regard to credit risk manag ement. In order to coordinate efforts in implementing the strategy of credit ris k management by state-owned commercial banks, following reform measures are sugg ested: adjust internal credit structure, reengineer credit management flow, in novate ways to dispose of bad asset, select and adopt correct financial strategi es, establish information and law platform, introduce incentive and punishment s ystem and foster credit risk culture, etc.