商业银行信贷风险的监督管理途径

Supervision and Management Way of Credit Risk in Commercial Banks

深化金融体制改革的背景下,商业银行在发展上需要更好的业务开展与管理活动开展。商业银行在持续经营发展中需要面临多种风险,其中,信贷风险的管理十分重要。商业银行信贷风险的监督管理虽然得到了很多关注,但信贷风险监督管理状况并不良好,信贷风险监督管理层面更是存在诸多不足和问题。论文分析了新时期商业银行信贷风险监督管理的具体状况、存在的具体问题等,并就如何更好地进行信贷风险监督管理提出合理建议。

Under the background of deepening the reform of financial system,commercial banks need to carry out better business and management activities.Commercial banks need to face many kinds of risks in their sustainable development,among which the management of credit risk is very important.Although the supervision and management of commercial bank credit risk has been paid much attention,but the supervision and management of credit risk is not good.There are many deficiencies and problems existing in credit risk supervision and management.This paper analyzes the specific situation and existing problems of credit risk supervision and management of commercial banks in the new period,and puts forward reasonable suggestions on how to better carry out credit risk supervision and management.