国有商业银行管理体系中的信用风险管理

Status and Practicing of Credit Risk Management in Stated-owned Commercial Banks Credit Risk Management System

信用风险依然是我国国有商业银行面对的主要风险,导致国有商业银行信用风险的主要因素有政府干预、产权制度改革不彻底、银行与企业信息不对称、组织缺陷、管理技术落后等。作为我国国有商业银行风险管理体系的核心,信用风险管理的实施具体应当从组织体系架构、客户授信组合风险控制与单一风险相结合、信用风险收益、统一授信、提高信用风险的识别能力等四个方面展开。

Credit risk management is the core of the state-owned commercial banks credit risk management system. Five steps can be done to control the credit risk by banks. They are perfecting the organization building, combing the integration credit extension and single credit extension, achieving credit risk profit, uniting credit extension and improving the identification ability of credit risk of loan officers and credit risk management officers.