我国商业银行信贷风险管理及对策分析

Analysis of Commercial banks’Credit risk management and Measures in China

信贷业务是银行的主要利润来源,然而信贷风险也是银行面临的主要风险。由于我国商业银行资产负债比例管理问题突出和信贷管理机制弊端明显,以致信贷资产不良率还处于高位上运行。做好信贷风险管理,优化信贷风险控制,一要培育一种新型的信贷文化,增强信贷人员的风险意识;二要健全风险等级评定制度;三要规范贷款的损失预测与定价管理;四要加强信贷风险的监测与监督;五要完善内控制度建设,规避操作风险和道德风险。

Bank credit business is the main source of profits, but credit risk is the main risk facing banks. Since China＇s ratio of assets and liabilities of commercial banks outstanding management and credit management mechanism obvious drawbacks, so bad credit assets in a high rate also run on. Do a good job in credit risk management, optimize the credit risk control, we must first nurture a new type of credit culture, and enhance the credit risk awareness; Second, we should improve the rating system; Third, we must standardize loan loss forecast and pricing management; Fourth, we must strengthen credit risk monitoring and supervision; Fifth, we must improve the internal control system construction, operation risks and to avoid moral hazard