商业银行信贷风险管理及制度优化研究

Research on Commercial Bank Credit Risk Management and System Optimization

信贷风险作为最重要的风险形式,一直影响着银行业乃至整个金融业的业务发展。伴随着市场经济环境的缓和和发展,我国商业银行的信贷规模也在持续增大。作为以经营风险为业务的商业银行,在这个过程中也产生了不少的信贷风险。面对供给侧改革以及新常态经济的发展,商业银行在风险监管和制度优化方面应该采取多种措施来处理业务问题,促进商业银行的可持续发展。

As the most important forms of risk, credit risk has influenced the development of the banking business and the whole financial sector.With the development of the market economy environment, the scale of China＇s commercial bank credit also continued to increase.As to risk management business of commercial banks,in the process also produced a lot of credit risk. Faced with the new normal supply-side reforms and economic development, commercial banks should take measures in terms of risk monitoring and optimization system to deal with business problems and promote sustainable development of commercial banks.