摘要
商业银行信贷风险的管理与控制是一个亟待解决的主要问题。商业银行效益普遍不高 ,不良贷款居高不下 ,甚至出现了不良贷款增幅大于贷款增幅的情况 ,其信贷风险已成为我国银行业当前最大的金融风险。作者通过对银行信贷特点的分析 ,探讨了控制银行信贷风险的途径 ,指出了银行信贷管理中应注意解决的一些问题。
The loan and savings risk management and c ontrol is an urgent key issue of business banks. The average business bank suffe rs from the low economic benef it, and unhealthy loans keep a high proportion, and the increase of unhealthy lo a ns even exceeds the increase of loans . Now the credit risk has become the bigge st current financial risk in our country's banking industry. In this article, the author an al ysed the features of bank credit, studied the approaches to the credit risk mana ge ment and pointed out some problems concerning bank credit management that should be solved.
出处
《武汉工业学院学报》
CAS
2000年第4期56-60,共5页
Journal of Wuhan Polytechnic University
关键词
信贷
风险
管理
控制
商业银行
credit
risk
management
control
approach
