浅谈商业银行贷款风险管理

On the Management of Loan Risk in Commercial Bank

我国已正式加入WTO,商业银行竞争日益加剧。在激烈的竞争过程中,银行面临许多风险,其中重要的风险之一是贷款风险,其产生的原因有内部和外部的,主观和客观的,由于信息不对称造成逆向选择和道德风险。为了防范贷款风险,提高竞争能力和经营效益,必须采取应对措施。

The commercial bank has to confront a lot of risks since our country entry into WTO.Hence the in-creasing competition among banks themselves,among which the loan risks are the biggest.The reasons lie in many aspects,including internal and external reasons,subjective and objective reasons,and the adverse selec-tion and moral hazard caused by unsymmetrical information.Commercial banks should guard against risks to develop the competition capacity and increase the management efficiency.