摘要
商业银行贷款风险,是指银行贷出去的款项,借款人到期偿还不了形成逾期、呆滞或根本无法偿还成为呆账贷款,银行蒙受损失具有可能性。商业银行信贷资产风险主要表现形式是逾期贷款、呆滞贷款、呆账贷款。商业银行贷款无法收回主要是由于借款人不愿或无力归还借款,所以商业银行贷款风险来源于借款人。
Credit risk of commercial bank has caused significant influence on commercial bank＇s financial security and business development. Clarifying different types of credit risk for commercial bank and make good management on them is the very important content of commercial bank management.
出处
《经济研究导刊》
2009年第19期56-57,共2页
Economic Research Guide
关键词
商业银行
风险管理
贷款风险
commercial bank
risk management
credit risk
