当前国有商业银行二级分行信贷风险的成因及对策

Nowadays the Causes and Strategies of the Credit Risk on the Second-branch of the State-owned Commercial Banks

近几年来,我国国有商业银行纷纷撤并网点,大幅度收缩经营范围,二级分行已成为主要的面向客户的直接经营单位。二级分行业务发展突飞猛进,由于各种原因,信贷资产质量不高。因此二级分行在注重业务发展的同时,必须加强风险管理,有效防范信贷风险,才能在激烈的竞争中立于不败之地。

In the recent years, the commercial bank withdraws a lot of institutions, reduces management scores, the second-branch becomes direct management unit. The second-branch business developments quickly. But because of the inner and outer reasons, the quality of loan is low. So the second-branch one other develops business, the other should strengthen the loan risk management, keeping away from the risk of the loan effectively,and not fail forever in the violent competition.