我国国有商业银行信贷风险分析及防范建议

Analysis and Suggestion on the Credit Risk of State-owned Commercial Banks

自2008年美国次贷危机引发全球金融危机以来，全球银行业面临巨大的冲击，特别是以信贷业务为主要业务的商业银行。当前，随着国家调控经济新政频出，我国国有商业银行不良贷款状况及风险隐患均将受到一定的冲击．这不仅不利于国有商业银行的国际竞争力，也危害着银行的生存和发展。本文将探讨我国国有商业银行信贷风险的成因．并提出防御信贷风险的几点措施。

Since 2008, the United States sub-loan crisis brought the global financial crisis; the glob- al banks faced challenges, especially commercial hanks which are about credit business. With the new frequency of state regulation of the economy, the non-performing loans of state-owned commercial banks and the risk of our country will be subject to certain impact. This is not only disadvantageous to international competition, but also threatens survival and development of banks. This paper will discuss the factors and put forward some suggestions.