摘要
我国商业银行的信贷风险是显而易见的。长期以来在体制上,由于政府、企业和银行关系扭曲,缺乏有效的内控机制和风险防范措施,致使信贷风险不断堆积,潜伏的危机因素不容忽视。特别是不断增长的不良资产,已成为商业银行当前要解决的突出的问题。防范和化解这种信贷风险,需要从以下几方面着手:建立完善管理体制,构筑风险防范屏障;前移风险管理关口,建立风险预警机制;讲求信贷经营策略,有效处理信贷风险;正确运用法律手段,依法防范化解风险。
In China, credit risk is a long - term and ineluctable topic for commercial banks. The risks derived from the eontortion of relationships between the government, enterprises and banks results in an effective system of self- control and risk prevention. The continual going - up of bad assets, as a result, has already been quite a prominent and threatening problem in China. The following are some measures to prevent or divert the eredit risks： to establish the most reasonable management system, to build sound mechanism of risk prevention and precaution, to be strategic in credit dealings, and to get law involved in the prevention and diversion.
出处
《南京工业大学学报（社会科学版）》
2005年第4期52-55,共4页
Journal of Nanjing Tech University：Social Science Edition
关键词
商业银行
防范
化解
信贷风险
commercial banks
risk prevention and diversion
credit risks
