商业银行信贷业务风险控制研究

Research on risk control of credit business of commercial banks

为了降低商业银行信贷业务的风险,介绍了商业银行在运转过程中最为常见且最为重要的三种常态性风险:损失本金、损失利益、损失收益,并提出了合理的控制措施:对不良的贷款处理方式进行改进,树立正确的经营意识,做好资源的有效统一,坚持以人为本,完善贷款制度,要给予贷款业务足够的重视,制定科学有效的管理措施,这样能够帮助商业银行最大限度的降低信贷业务风险,能进一步推动商业银行的健康可持续发展。

In order to reduce the risk of commercial banks’ credit business,this paper introduces three most common and important normal risks in the operation process of commercial banks: loss of principal,loss of interest and loss of income,and puts forward reasonable control measures: improving bad loan processing methods,establishing correct management consciousness,making effective unification of resources,and insisting on human beings. In order to improve the loan system, we should pay more attention to loan business and formulate scientific and effective management measures,which can help commercial banks to minimize the risk of credit business and further promote the healthy and sustainable development of commercial banks.