银行信贷风险管理研究

Study on the Management of Credit Risk for Banking

目前 ,我国商业银行的信贷资产质量下降 ,信贷风险上升。这既有国际金融环境影响等外部因素 ,也有银行内部管理的内在因素 ,但最主要的是企业经营状况欠佳造成的违约风险。因此 ,银行信贷风险的管理关键在于对借款企业的违约风险的控制。文章从银行信贷风险管理的一般理论出发 ,紧紧围绕银行如何避免或减少企业的违约风险 ,进行贷前识别、估价风险 ,贷后监测、预警风险及对信贷风险的处理。针对银行重贷轻管的倾向 ,借鉴国外银行对企业违约风险的评估模型 ,利用层次分析法 ,建立起我国银行信贷风险预警模型 ,对银行信贷风险管理具有一定的指导意义。

At present ,the quality of credit assets of commercial blanks in our country declines ,and credit risk ascends These are caused by of the influence of many factors One is the outside factors including international financial circumstance etc the other is the inner factor is breaking contract by the perishing management state of enterprises Therefore , the key about the management of bank risk is to control the breaking contract of the enterprise loaned from the bank On the basis of the ordinary theory of bank credit management , around how to avoid or reduce the breaking contract risk ,The bank should identify and evaluate risk before loan ,monitor and forewarn risk after loan and credit risk treatment Because of the tendency of treasuring loan and despising manage , drawing lessons from model of risk of bank evaluation breaking contract enterprise , this paper has established the forewarning model of bank credit risk of our country , using the main element analysis method It is significant to direct management of credit risk for banking