商业银行信用风险管理国内外研究述评

Research Review of Credit Risk Management of Commercial Banks at Home and Abroad

指出了金融市场和产品的日益复杂,商业银行竞争环境的日益加剧,使得对信用风险管理水平的要求也越来越高。信用风险作为一直以来难以量化的主要风险,是商业银行信用管理的关键环节。对国内外信用风险管理水平的研究成果进行了梳理,探讨了国内信用风险管理的研究现状。

The financial markets and products are increasingly complex, which intensifies the competition environment of commercial banks and has more and higher requirements for th level of credit risk management. The credit risk is a/ways hard to be quantified, so it is a key link in the process of credit management of the ommercial bank. This arti ele reviews the domestic and foreign research achievements of credit risk management, and diseusses the current situation of domestic research in the credit risk management.