市场约束与我国商业银行信贷风险控制

On Market Control and Risk Management of the Credit Risk of the Commercial Banks in Our Country

风险管理能力是商业银行的核心价值所在,对商业银行来讲,控制风险就是创造价值。而加强商业银行信贷风险的市场约束是有效控制信贷风险的关键所在。文章从信息披露制度、信用评级制度及市场退出制度三个方面阐述了市场约束得以发挥的前提条件、实施的主要手段及重要制度保障。

Risk management capability is the core value of commercial banks. Actually, risk control is value creation for commercial banks. The key point of an effective credit control is to strengthen market control mechanism on commercial banks＇ credit risk. This article expatiates on information disclosure system, credit rating system, and market exit system. These three systems respectively are the precondition, main implementary measure and important system ensurance of a successfully running market control.