商业银行信贷风险的再探讨

Further probe into the credit risk of commercial banks

商业银行的信贷风险是金融风险的主要内容，信贷风险的发生往往是金融危机发生的直接原因。无论目前还是将来，商业银行的信贷风险防范都是金融业内的主要任务之一。信贷风险的产生主要有体制、政策、企业改革和银行内部管理、金融市场发育情况等方面的原因，因此信贷风险的防范应从相应的方面入手；尤其是改革金融制度和完善商业银行内部管理。

The credit risk of commercial banks is the main content of the financial risk, which often directly leads to the occurance of financial crisis. Therefore, keeping a lookout for the credit risk is one of the main tasks for the financial circle. The credit risk emerges and develops chiefly in the circumstances of system, policy, enterprise innovation, the internal administration of the bank and the growth of financial market. This paper puts forward a few steps for guarding against the credit risk.