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各大商业银行低风险高收益的高端客户不断被分流,信用风险明显增大,风险与收益的平衡日益难以把握。如何有效防范我国商业银行长期积累形成的系统性风险,尤其是如何防范作为现阶段国内商业银行的主体业务——信贷业务的风险一事已经摆入各大商业银行的议事日程,构建一个适应新经济形势的新型信贷风险管理体系迫在眉睫。
The high-end customers of low-risk and high-yield of major commercial banks are constantly being diverted, the credit risk is obviously increased, and the balance between risk and return is increasingly difficult to grasp. How to effectively prevent the systematic risk caused by the long-term accumulation of commercial banks in our country? Especially how to prevent the risk of the credit business which is the main business of the domestic commercial banks at this stage has been put into the agenda of major commercial banks and a new economic The situation of the new credit risk management system is imminent.