我国商业银行信用风险问题的法律分析——由美国“次贷危机”想到的

On the Analysis of the Commercial Bank Credit Risks——the thought of US subprime lending crisis

美国爆发的"次贷危机"在全球范围内产生了巨大的震荡,它直接或间接影响到几乎所有国家的金融市场。美国"次贷危机"对于我国商业银行信用风险的警示值得我们深思。本文以"次贷危机"为出发点,对商业银行信用风险的内涵以及我国商业银行信用风险的现状进行了探讨,并对完善我国商业银行信用风险控制制度提出了建议。

The subprime lending crisis of the United States brought magnitude concussion in the global scope. It impacts the financial market of almost all the countries. The US crisis reprimands the credit risks of China＇s commercial banks. This article discusses the intens.ion of commercial bank credit risks and the actuality of China and indicates the perfection on control system of commercial bank credit risks.