摘要
影响我国商业银行信贷经营的安全和高效的主要因素是贷款风险,实行贷款风险管理是我国商业银行最紧迫的任务之一。商业银行贷款管理必须建立完善的信贷管理责任制,重视风险研究和风险管理的有效性。本文首先提出了我国商业银行贷款存在的问题,继而从贷款风险的特征入手,提出防范商业银行贷款风险管理的对策。
The major factor affecting the safety and high-effect of commercial banks credit management in our country is loan risk.Loan risks administration is one of the most urgent mission of commercial banks in our country. The perfect management of commercial bank loan must establish and improve the management of credit management accountability.Emphasis on risk reaserch and effectiveness of risk management.In this paper,Problems of commercial banks loan are bring forward first.Then from the characteristic of loan risks,bring up the countermeasures of commercial bank loan risks management.
出处
《特区经济》
北大核心
2008年第3期82-83,共2页
Special Zone Economy
关键词
商业银行
贷款风险
特征
防范
commercial banks
credit risks
characteristic
prevention
