摘要
商业银行作为经营货币的金融中介组织,自有资本占比低这一特点决定了其本身具有较强的内在风险特性,而银行贷款质量的优劣,信贷资产所面临风险的大小,对银行的经营成果乃至生存发展有着至关重要的影响。目前中国商业银行信贷风险管理中存在着一定的问题和缺陷,这使得中国的商业银行在参与国际金融市场的竞争中处于不利的地位。
The commercial bank takes the management currency the financial intermediary organization, whose own capital occupies compared to lowers this characteristic to decide it itself has the strong intrinsic risk. Bank loan quality fit and unfit quality and the credit property facing the risk the size have the very important influence to the bank management achievement and even the survival development. At present in the China commercial bank credit risk management has the certain problem and the flaw, which causes Chinese the commercial bank to be at the disadvantageous position in the participation international money market competition.
出处
《经济与管理》
2006年第5期53-55,共3页
Economy and Management
关键词
商业银行
信贷风险
对策
business bank
credit risk
countermeasure
