宽松货币政策形势下银行信贷风险的识别与防范

How to Identify and Prevent the Credit Risk Given a Loose Monetary Policy

在今年贯彻国家"保增长、扩内需、调结构"的决策部署,实施宽松的货币政策形势下,商业银行信贷高速增长,在防止经济过快下滑、支持经济回暖的同时,也面临着许多特殊的风险。本文分析了在当前信贷高增长背景下需要重点关注的七大信贷风险,以及可能影响信贷资产质量变化的因素,提出从加强宏观经济分析、实现信贷结构优化、加强信贷精细化管理、控制集团客户中的关联贷款、防止银行资金对投机性活动的支持等方面采取必要的风险防范措施,保持商业银行的可持续发展。

This year, by following the policy of ＂maintaining the economic growth, expanding domestic demand and re-adjusting the economic structure＂ , the implementation of a loose monetary policy has driven a swiftly growth of credit financing to prevent rapid decline in the economy and therefore to support economic upswing. However, at the same time, commercial banks have to face a number of abnormal risks. This paper aims at analyzing seven types of credit ricks appeared with the current rapid credit growth, and factors that may influence the quality of loan assets. The policies also buttress banks by advocating to strengthen the macro-economic analysis, optimize the credit structural, construct a fine credit management, control associated loans between group companies, and to prevent speculative activities of banks. By taking these necessary measures to prevent risks, it will help to maintain the sustainable development of the commercial banks.