浅析我国商业银行信贷风险管理

On Credit Risk Management of Commercial Banks in China

目前我国商业银行的主要收益来源于信贷业务,信贷风险是银行首先要考虑的主要风险。通过优化信贷风险管理流程,强化信贷风险责任考核机制和培养浓厚的信贷风险文化等途径可以加强我国商业银行的信贷风险管理。

At present, the main income of commercial banks in China comes from credit business, and thus the first consideration of hanks is credit risk. Some measures can strengthen the credit risk management of commercial banks in our country, which are to opti- mize procedures of credit risk management, enhance assessment mechanism of credit risk responsibility and cultivate a hefty dose of credit risk cuhure.