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信贷风险作为当前我国商业银行运行过程当中存在的最主要的风险之一,给商业银行带来了严重的危机。就目前银行信贷风险管理状况而言,信贷风险的产生可能会导致商业银行的破产和倒闭,对银行的冲击特别严重,更有胜者还会诱发一个国家的经济危机或者金融危机。然而不容忽视的一点是风险管理的水平低下是我国商业银行发展普遍存在的制约因素,由于整个银行体系的不良贷款率过高,大大超出了国际警戒线。为了切实有效地解决这一普遍问题,本文结合实际的商业银行信贷风险管理工作开展一系列了调研,并分析了在信贷风险的管理控制工作当中出现的或隐藏的问题,同时也提出了一些的建议与措施。
As one of the most important risks in the operation of China’s commercial banks, credit risk has brought serious crisis to commercial banks. For the current situation of bank credit risk management, the credit risk may lead to the bankruptcy and bankruptcy of commercial banks. The impact on banks is particularly serious. More winners will also induce a country’s economic crisis or financial crisis. However, it can not be ignored that the low level of risk management is a common constraint in the development of commercial banks in our country. Since the non-performing loan ratio of the entire banking system is too high, it has exceeded the international warning level. In order to solve this common problem effectively and effectively, this paper conducts a series of surveys based on the actual credit risk management of commercial banks and analyzes the problems that have arisen or been hidden in the management and control of credit risk. Some suggestions are also put forward Suggestions and measures.