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我国经过三十多年的改革和发展,成功占据世界第二大经济体地位,这是我国在经济全球化与市场经济对外开放的共同作用下取得的成绩。然而,新时期下我国正面临着新的机遇和挑战,使得我国宏观经济运行面临不确定的局面,给市场经济运行蒙上了一层面纱,也增加了商业银行的信贷业务风险。对此,需要加强对宏观经济不确定下的商业银行信贷风险防范研究,提高我国商业银行应对信贷风险的能力。
After more than thirty years of reform and development, our country has successfully occupied the second-largest economy in the world. This is the result our country has made under the joint action of economic globalization and the opening-up of the market economy. However, under the new period, our country is facing new opportunities and challenges, making our country’s macroeconomic operation faced with an uncertain situation. This has cast a veil in the operation of the market economy and increased the credit business risk of commercial banks. In this regard, we need to strengthen research on precautionary measures against credit risks of commercial banks under macroeconomic uncertainties and improve our commercial banks’ ability to deal with credit risks.