对国有商业银行信贷风险控制技术创新的探讨

Discussion about the Innovation of Risk-Control Technology on Credit Assets in China's State-owned Commercial Banks

我国国有独资商业银行目前在信贷风险控制上仍以定性分析为主 ,在量化分析上尚刚刚起步 ,本文在全面分析了国有独资商业银行信贷资产风险控制现状的基础上 ,试图结合具体情况 ,引入西方先进风险控制模型 ,进行修正和补充 ,为我国国有独资商业银行信贷资产风险控制技术的创新提供一个可行的思路。

At present, the analysis on risk-control on credit assets in china's state-owned banks is still mainly based on qualitative analysis. Quantitative analysis is only on the beginning phase. Based on comprehensive analysis on the condition of risk-control on credit assets in our state-owned commercial banks, the article tries to apply an approach for the innovation of risk-control technology of credit assets in state-owned banks through introducing western advanced models on risk-control to these banks and revising them according to the concrete condition of our banks.