中国商业银行信用风险管理存在的问题及对策

Problems and Solutions of Credit Risk Management in China's Commercial Bank

信用风险是商业银行所面临的基本风险,也是目前中国商业银行最主要的金融风险。银行大量的不良资产和国外银行的竞争,使得提高银行的信用风险管理水平成为中国银行业面临的重要课题。本文将以商业银行信用风险为主题,分析信用风险的危害及信用风险管理的重要性,探寻中国银行业信用风险管理的缺陷与不足,提出解决方案。

Credit risk is the fundamental risk that banks are facing,and currently is also China＇s commercial banks＇ major risk.A large number of non-performing assets of banks and the competition with foreign banks make that raising the credit risk management level of China＇s banking industry has become an important issue.According to these issues,combining with the characteristics of commercial bank in China,the paper puts forward some solutions.