我国商业银行信用风险管理对策研究

信用风险是指借款人或交易对于违约而导致损失的可能性。在我国金融分业经营,利率尚未市场化,存、贷款利差收入仍是商业银行的主要收入来源的情况下,信用风险是我国商业银行面临的主要风险。对信用风险的准确度量和有效管理,既是商业银行进行贷款甄别、定价,提高风险的识别、评估、预警能力,从源头上降低不良资产的关键,也是监管当局进行风险性监管的基础。

Research on Countermeasures for the Risk Management of Credit of China''s Commercial Banks

Credit risk refers to the possibility of lose caused by the breach of faith of borrower or transaction.In a condition where financial business is operated dividedly,interest is not marketized,and interest differences between deposit and loan are the main income sources of commercial banks,credit risk is the main risk of the commercial banks in China.The accurate measurement and effective management for credit risks is not only the key to identification and pricing of loans of commercial banks,to the improvement of the identification,evaluation and prevention abilities,and to the decrease of non-performing assets from their sources,and the basis of risk regulation by regulatory authorities.