商业银行信用风险管理技术分析

Analysis of Commercial Bank's Credit Risk Management Technology

针对目前中国银行业最薄弱的信用度风险管理问题,从信用风险管理的基本业务流程出发,对现有的西方商业银行的信用风险管理技术进行了系统的整理研究,并结合我国商业银行信用风险管理的技术现状和《新巴塞尔协议》中IRB法的基本要求,深入剖析了我国银行信用风险管理技术与国际监管标准之间存在的差距,并提出了相应的对策。

As WTO deadline approaches, China banking is going to face enormous pressure form foreign financial institutions. In view of credit risk management, the weakest part of Chinese commercial banks, this paper studies systematically the existing western commercial banks＇ credit risk management technology from the basic business processes. By integration of the status quo of local banks credit risk management technology and the IRB＇s basic require ments in ＂Basel Ⅱ ＂, analyses are made of the existing problems in China banking credit risk management technology, and the gap with the international regulatory and supervisory standards.