国有商业银行的信贷风险及规避对策

The Loan Risks and Evading Countermeasures of State-owned commercial Banks

本文阐述了由于政府管理体制和银行自身决策失误、经营失误等原因使国有商业银行存在较大信贷风险。指出规避国有商业银行的信贷风险,必须理顺产权关系,健全现代企业制度,调整金融管理政策,加强银行内部经营管理。

Because of wrong decision and operation of government's management system and banks themselves, the state-owned commercial banks have great loan risk. In order to evade the risk of the state-owned commercial bank, it is necessary to make the property rights relations in order, perfect the modern enterprise system, adjust the financial management policy, and strengthen the management inside the bank.