刍议城商银行信用风险管理——基于包商银行事件的再思考

On Credit Risk Management of Urban Commercial Banks:Rethinking of Baoshang Bank Event

城商银行是定位于服务中小微企业与地方经济发展的存款类金融机构;存贷利差是城商银行获取利润的主要来源,信用风险成为其经营管理过程中面临的首要金融风险。信用风险管理水平的高低直接关系到城商银行的生存和发展。包商银行因严重的信用风险被依法接管,继而沦落至破产结局。包商银行事件促进了城商银行信用分层、增加城商银行群体融资难度并加速城商银行群体分化性发展。在此基础上,文章立足城商银行信用风险管理发展现状,针对风险治理缺陷、信用风险文化被侵蚀和信用风险管理技术陈旧等方面问题,提出强化信用风险管理的举措。

Urban commercial bank is a financial institution of deposit type oriented to provide service for medium,small and micro enterprises.The interest margin between deposits and loans is the main source of profits for urban commercial banks,and credit risk has become the primary financial risk in the process of their operation and management.The level of credit risk management is directly related to the survival and development of urban commercial banks.Baoshang Bank was taken over legally due to serious credit risk,and then went bankrupt.Baoshang Bank event has promoted the credit stratification of urban commercial banks,increased the difficulty in financing for the urban commercial bank group and accelerated the differentiated development of urban commercial bank group.On this basis,given the current development situation of credit risk management of urban commercial banks,measures are put forward to strengthen credit risk management in view of the defects of risk governance,the erosion of credit risk culture and outdated credit risk management technology.