供给侧结构性改革背景下我国商业银行信贷风险防控研究

The research on credit risk prevention and control in China's commercial banks under the background of structural reform of supply side

供给侧结构性改革实施以来,我国经济进入了新常态的发展趋势。作为我国金融中心的商业银行,其信贷风险防控也面临着新的机遇与挑战。本文以经济新常态为切入点,从定性和定量两个方面分析了商业银行信贷风险防控的现状及供给侧结构性改革对商业银行的影响,在此基础上对商业银行处置不良贷款,加强信贷风险防控进行了创新思考。本文得出商业银行需打破传统的发展模式,加强信贷风险防控及信贷结构优化和调整,提高信贷配置效率,才能为供给侧结构性改革提供信贷服务的结论。

Since the implementation of the structural reform of the supply side,China's economy has entered a new normal trend.As a commercial center of China's financial center,the credit risk prevention and control in commercial banks is also facing new opportunities and challenges.This paper analyzes the current situation of credit risk prevention and control in commercial banks and the impact of structural reforms to commercial banks from the aspects of qualitative and quantitative aspects,taking the normal state of economy as the starting point.On the basis of this,the paper puts forward the countermeasures to commercial banks' bad credit risk,and makes innovative thinking to credit risk prevention and control.This paper draws the conclusion that the commercial banks need to break the traditional development mode,strengthen credit risk prevention and control and the optimization and adjustment to the credit structure to improve the efficiency of credit allocation,then provides the credit service for the supply side structural reform.