试论商业银行信贷风险产生的原因

On The Causes For Credit Risks of Commercial Banks

信贷风险是商业银行经营管理的主要风险。只有从本质上洞悉信贷风险产生的原因和根源 ,才能更好地确保信贷资产安全。商业银行信贷风险产生的原因包括信息不对称、委托——代理行为、败德行为。

Credit risks are the main risks of commercial bank management.Only by concerning the causes for credit risks essentially can we ensure the security of credit capital.The causes are as follows:information asymmetry,theory of principal and agent,moral hazard and reverse selection,etc.