摘要
在银行的各种风险中,信用风险是其主要风险,因为它有潜在的社会影响,大量的和多样性的风险承受者会受到影响。本文通过比较分析,对我国商业银行信用风险状况和特点进行评估,并对其成因进行制度分析。结论是我国商业银行巨大的信用风险是国有企业、国有银行和财政系统三方关系演变的结果,并在此基础上提出政策建议。
The paper comparatively analyzes the conditions of Chinese state-owned banks through a lot of data and from different angles, and makes a system analysis of the factors.It is found out that the relations of state-owned business enterprise, stata-owned bank and public finance system turn out the great credit risk of the state-owned commerical banks.
关键词
国有银行
信用风险
不良资产
state-owned bank
credit risk
the nonperforming property
