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信贷风险是商业银行在业务经营过程中遇到的主要风险之一,信贷风险管理贯穿于商业银行发展历程。当前我国经济正处在市场经济的加速发展阶段,信贷资产质量不高、信贷风险不断加大是目前我国商业银行急待解决的问题。对于信贷风险,我们必须进行认真地分析研究。本文首先从最基本概念入手,分析确定了商业银行信贷风险管理的基本内涵,系统性地阐述了商业银行信贷风险管理的重要意义,并对我国银行业信贷风险的有效管理提出了几点对策和建议。
Credit risk is one of the major risks commercial banks encounter in their business operations. Credit risk management runs through the development of commercial banks. At present, China’s economy is at an accelerating stage of market economy. The quality of credit assets is not high, and the credit risk is constantly increasing. This is an urgent issue for commercial banks in our country. For credit risk, we must conduct careful analysis. This article starts with the most basic concepts, analyzes and determines the basic connotation of credit risk management in commercial banks, expounds the importance of credit risk management in commercial banks systematically, and puts forward some countermeasures to the effective management of credit risk in Chinese banking industry. Suggest.