基于知识管理的信贷悖论解决方案

The Solution to Credit Paradox Based on Knowledge-based Management

信贷悖论一直以来使商业银行不得不承受信贷资产集中的风险。信贷专家的相对稀缺性是产生信贷悖论的重要原因。为此,将知识管理理念引入信贷风险管理领域,通过信贷专家知识的广泛共享,帮助商业银行的各分支机构实现信贷客户分散化、信贷产品多样化,解决信贷悖论问题。

Credit Paradox has long made concentration risk a potential burden on conmercial banks.Since Credit Paradox is mainly caused by the scarcity of credit experts, knowledge - based management is implemented to manage credit risk.By sharing experts＇ credit knowledge and experienee widely, all subordinates of a bank can diversify their credit assets and overcome Credit Paradox consequently.