当前形势下的商业银行信贷风险

On current credit risks of commercial banks in China

目前商业银行面临的最突出的信贷风险包括贷款集中度过高造成的系统性风险、存贷款期限结构不匹配造成的流动性风险以及国家产业政策调整带来的政策性风险。该文解析了这些风险形成的深层次原因,并在此基础上提出了防范化解这些风险的对策。

At present,the most salient credit risks for commercial banks are systematic risk from over centralized loans,liquidity risk from deposits and loans with mismatched maturity structures,and policy risk from the country's adjusting industry policies.This paper elaborates on the reasons for these risks,and on that basis,provides solutions for their prevention and dissolution.