我国商业银行信用风险形成的制度性机理分析

信用风险是我国商业银行中最为主要的风险。在分析我国商业银行信用风险形成原因的基础上,指出经济转轨过程中宏观和微观的有效制度的双重缺失是造成商业银行不良贷款率居高不下的根本原因。

The credit risk is the most vital risk of the commercial banks, in which there is a number of large non-performing loans. On the basis of the reasons for credit risks of the state-owned commercial banks being analyzed, this paper points out that high non-performing loans rate is due to the lack of effective macro and microcosmic systems in China.