转型发展中的商业银行资产质量管理策略研究

Research on the Asset Quality Management Strategy of Commercial Banks in Transition

近期,受到经济增速下行与银行流动性压力的交叠影响,前期信贷货币大投放与银行利润高增长所埋下的风险隐患逐渐显现,对银行资产质量形成压力。不良信贷资产隐藏的信用风险已成为我国商业银行转型发展所面临的障碍,需要新思考与新对策。本文从商业银行资产质量的演变态势与特点出发,概括分析影响商业银行资产质量的决定性因素,揭示不良信贷资产背后隐藏的信用风险,提出商业银行转型求变之路中的风险防范与资产质量管理策略。

Impacted by the overlapping influence of economic downturn and bank liquidity pressure lately, risks shown by previous large monetary credit availability and bank high profit driven growth gradually emerges, forming pressure on banks＇ asset quality. It is necessary to call for new thinking and strategies to cope with the risk hidden in bad credit assets which have become obstacles for domestic commercial banks to restructure and develop. Starting from the evolution and characteristics of the asset quality, this paper summarizes and analyzes the determining factors that affects the asset quality of commercial banks, reveals the credit risk that hidden behind the bad credit assets, proposes the strategies to prevent risk and manage asset quality in the development and transition of commercial banks.