城市商业银行信贷风险管理对策研究

Stady on the Counter measures of Credit Risk Management of City Commercial Banks

近几年我国城市商业银行发展速度及银行规模都呈不断上升趋势,在我国银行业的发展中起到了重要的补充性作用。因为城市商业银行最主要收益来源是其信贷资产业务,所以信贷风险管理一直被作为城市商业银行经营管理过程中最被重视的管理项目之一。本文针对城市商业银行的信贷风险管理方面的现状及风险成因进行了研究并提出对策,为我国商业银行的管理提供了新的思路。

In recent years, city commercial banks in China have played an important role in the development of China＇s banking industry. The main source of the revenue of city commercial banks is their lending business, therefore the credit risk management has been placed on the top of their risk control system. This paper studies current credit risk management of city commercial banks in china and tries to propose some countermeasures for improving banks＇ credit management skills.