商业银行信贷业务风险控制研究

Study on Risk Control of Credit Business of Commercial Banks

信贷风险是商业银行经营管理中面临的主要风险,如何对信贷风险进行分析控制以及如何降低信贷风险,已经成为银行经营管理的重要任务。商业银行拥有控制信贷风险的能力意味着可以有效避免由于信贷业务操作不当导致商业银行经济效益下降的现象,但如今的商业银行在对信贷业务风险进行分析控制时仍然存在一定的问题。基于此,本文就商业银行在对信贷业务风险分析控制过程中可能出现的问题提出几点对应的措施。

Credit risk is the main risk faced by commercial banks in their management. How to analyze and control credit risk and how to reduce credit risk has become an important task of bank management. The ability of commercial banks to control credit risk means that commercial banks can effectively avoid the phenomenon of economic benefits decline due to improper operation of credit business. However, there are certain problems in analyzing and controlling credit business risks. Based on this, the article proposes several corresponding measures for the problems that may arise in the process of commercial banks’ analysis and control of credit business risks.