论国有商业银行的信贷风险管理

On Credit Risk Management of State-owned Commercial Banks

国有商业银行信贷风险事关国家金融安全与稳定。当前,国有商业银行信贷资产质量呈"三高、三差"特点,且信贷风险暴露尚不充分。从国有商业银行信贷风险的形成机理来看,既有行政干预、企业逃废债、金融市场发展滞后等外部因素,也有银行风险管理水平不高、机制不健全、员工素质不高等内部原因。治理国有商业银行的信贷风险,必须引入全面风险管理的理念,从外部环境治理和内部管理多个层面实施全方位的综合治理。

The state\|owned commercial banks are playing a leading role in the country's financial sector and therefore their credit risk will affect state financial security and stability. Nowadays the quality of credit assets in state\|owned commercial banks has shown characteristic of 'three highs and three deficiencies', adding the incomplete exposure of credit risk. From the perspective of the forming mechanism of credit risk, there are both external environmental factors such as administrative interference, enterprises' failure of reimbursement and the lagging behind financial market, as well as internal factors like low management level, unsound system and lack of competent personnel. To monitor the credit risk of state-owned commercial banks, we must introduce the concept of all\|round risk management and initiate comprehensive implementation from both external and internal levels. 