国有商业银行信贷风险成因浅析

On Credit Risk of Commercial Banks

本文根据我国国有商业银行的现状，从信息经济学理论和政府行为分析等角度，阐述了我国国有商业银行信贷风险的成因，即：经济环境中的不确定性、银企双方（委托人——代理人）信息的不对称性以及政府的干预行为，并从同样的角度进一步分析。

In the face of the current situation of the state commercial banks of China,this paper focus on the sources of credit risk,such as the uncertainty of economic circumstance,information unsymmetry between bank and enterprise,and government intervention.And the theory of information economics is used to analyze government behavior.Based on the analysis,a series of concrete measures to keep away the credit risks of state commercial banks.