新常态下商业银行信贷风险管理问题的思考

Thoughts on Credit Risk Management of Commercial Banks under the New Normal

随着我国国内经济的不断飞速提高,社会形成了一个新常态的时代背景,在这一背景下,商业银行的发展和改革受到了相关群众的广泛关注,信贷资产质量不断的恶化、周期敏感性行业所暴露出的各种风险和各大重点领域存在着的安全隐患等问题,时刻威胁着信贷风险管理工作的顺利开展。对此,相关银行信贷风险管理者就需要对此投以大量的重视目光,顺应时代的发展需要,转变自身发展思路,创立创新建设管理体系,保障在新常态下商业银行存在着的信贷风险得以化解,为银行的健康、长远发展奠定坚实的基础。

With the continuous and rapid improvement of China's domestic economy,society has formed a new normal era background.In this context,the development and reform of commercial banks have received widespread attention from the relevant people.The continuous deterioration of the quality of credit assets,various risks exposed by cyclical sensitive industries,and potential safety hazards in various key areas are issues that constantly threaten the smooth implementation of credit risk management.In this regard,relevant bank credit risk managers need to invest a lot of attention,adapt to the development needs of the times,change their own development ideas,create innovative construction management systems,ensure that the credit risks existing in commercial banks under the new normal can be resolved,and lay a solid foundation for the healthy and long-term development of banks.