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随着我国市场经济的不断发展,商业银行之间的竞争越来越激烈,商业银行为了应对激烈的市场竞争开始寻求一种能够在激烈市场竞争中占据优势地位的方式。商业银行的基础业务是通过存款利率与贷款利率的差额来获取利润,因此,商业银行为了获得市场份额开始通过降低信用条件来争取更多的贷款用户,从而增加商业银行的市场占有率。随着信用政策的降低,随之而来的就是银行信贷风险不断增大,坏账准备不断增加,这对于我国商业银行的发展非常不利。本文将针对我国商业银行信贷风险管理中的一些问题,提出一些有针对性的建议,仅供参考。
With the continuous development of the market economy in our country, the competition among commercial banks is more and more fierce. Commercial banks began to seek a way to take the dominant position in the fierce market competition in order to cope with the fierce market competition. The basic business of commercial banks is to make profits through the difference between deposit interest rates and lending rates. Therefore, commercial banks start to increase the market share of commercial banks in order to gain more market share by reducing credit conditions for more borrowers. With the credit policy to reduce, followed by the bank credit risk is increasing, increasing the bad debt reserves, which for the development of China’s commercial banks is very unfavorable. This article will address some of the problems in China’s commercial bank credit risk management, put forward some targeted suggestions for reference purposes only.