我国商业银行信贷风险的成因及化解方法探析

The Causes of the Credit Risk of Commercial Banks and the Exploration of Defusing Method

我国金融体系仍以银行业为主导,信贷业务作为银行主要收入来源的同时,与之相应的信贷风险也成为其面临的首要风险。本文分析了商业银行信贷风险的成因,并建设性提出加强商业银行风险管理是化解商业银行信贷风险的有效手段。

China＇s financial system is still led by banking sector, at the same time the credit business as the bank＇s main source of income, credit risk corresponding to the primary risk of commercial banks facing. This paper analyzes the causes of the credit risk of commercial banks, and constructively put forward that strengthening risk management is effective means to resolve the credit risk of commercial banks.