我国商业银行信贷风险管理相关问题探析

Probe into Relevant Problems on Credit Risk Management in China's Commercial Banks

商业银行在经营活动过程中,主要面临着信贷风险、市场风险、利率风险、流动性风险和操作风险等。商业银行资本充足率不足,商业银行信贷风险管理内控制度弱,我国信贷资产证券化水平整体不高,是造成我国商业银行存在信贷风险管理的成因。政府应提高商业银行资本充足率,加强商业银行内部管理,加快商业银行信贷资产证券化发展。

In business practice, the commercial banks encounter the risks of credit, market, interest, liquidity and operation. The capital adequacy rate is insufficient, the internal control of credit risk management is weak and the whole level of asset securitization is low, which cause the credit risk management of commercial banks. The government should increase the capital adequacy rate and internal control and accelerate the development of the credit asset securitization of commercial banks.