商业银行信用风险管理的创新方向

Compass for Credit Risk Management Innovation

金融开放给我国商业银行带来了机遇也带来了冲击,使我们更加迫切地需要在信用风险管理技术上进行改革创新,而金融危机的爆发则暴露了不受监管的金融创新所蕴含的巨大风险。辩证而不偏颇地处理创新与风险的关系,具有重要的现实意义。风险控制,抑或机制创新?在权衡之中,我国商业银行的信用风险管理创新该如何开展?本文或许能够给你这方面的答案。

The full range impact of China's f inancial liberalization has been pressing domestic commercial banks to face the need for credit risk management technical reform and innovation. Meanwhile, the ongoing f inancial crisis is exposing the huge risk embedded in the unregulated fi nancial innovation. Risk control or innovation? Dialectics application in handling the dilemma has showed its practical advantage. In this essay, you may fi nd the way that should be taken for China's commercial banks.