浅析银行贷款风险及应对策略

Analysis of Bank Loan Risk and Coping Strategies

金融是现代经济的核心,任何一场金融危机必然会导致经济危机。而金融危机爆发的根源则是银行在放贷的过程中对相应的风险评估不足,缺乏必要和理性的控制。因此,对贷款的风险如何充分评估,又如何控制;不只是银行的经营问题,而是涉及国计民生的焦点问题。本文鉴于目前国内外各大银行在日常经营过程中所遇到的种种情况,结合一些实际案例,分析归纳出几种银行贷款风险及其相应的应对策略,为银行制定稳妥的经营策略、为国家制定合理的货币政策提供参考。

Finance is the core of modern economy. Any financial crisis will inevitably lead to the economic crisis. The root of the financial crisis is that banks＂ evaluation on risk in the process of lending is inefficient, and lacks necessary and reasonable control. So the evaluation and control of lending concerns bank＇ s business problem and the people＇s livelihood. In view of a variety of conditions that the major domestic and international bank encountered in day-to-day operations, combined with some practical cases, this paper concludes out several bank loan risk and its corresponding strategies for the bank, providing reference for formulating safety management strategy for the bank, formulating the reasonable monetary policy for the state.