商业银行信贷危机与防范措施..docVIP

我国商业银行信贷存在的风险及应对措施 【摘要】 随着我国成功加入WTO，改革开发的进一步加深，全国金融市场的逐渐成熟、稳定，我们正处于经济体制转轨的关键时期“转型与发展”的双重使命With Chinas successful accession to WTO, further deepen reform and development, the countrys financial markets gradually mature, stable, and we are at a crucial period of economic transition and the commercial banks in Chinas overall economic development of the stage to play an increasingly important role, responsible for the transformation and development of dual mission. At the same time, commercial banks are facing greater pressure of business, credit risk increases even more. This stage, the credit business is commercial bank in China the most important of all operations, so the main risk is that the process of handling the funds of credit risk. Credit during the financial safety and risk prevention is not only related to the commercial banks sustainable development, but also affect the national economy is to become the healthy, stable, rapid development of an important safeguard. The actual situation in view of the above, this will feature Chinese commercial bank credit, personalized service highlights, customer groups, Deng status, and commercial banks have developed to the risks associated with, set how to understand and keep a look-out state-owned commercial banks risk, and then propose commercial banks to improve awareness, prevent and resolve financial security risks of specific measures Key words: Commercial Banks; Credit Risk; Risk Control 1、我国商业银行信贷现状 1.1功能日益完善 随着国内经济状况好转并以较快的速度发展，通过同世界发达国家商业银行的对比、学习，我国商业银行无论从贷款业务、储存卡业务、金融理财业务等方面都取得了长足的发展，各项内部管理也逐步完善，尤其是商业银行的“四大功能”已逐渐成熟。 1.1.1信用中介商业银行 1.1.2支付中介商业银行帐户上存款转移，代理客户支付企事业单位和个人的货币保管、出纳和支付代理者；存款，为现款等支付中介和信用中介两种相互推进商业银行借贷资本的。 信用创造商业银行把货币进行流通，支票流通和转帐结算， 1.1.4金融服务经济发展和科技进步，要求，开拓金融服务领域，促进资产负债业务的扩大，实现业务和金融服务有机结合。如代发工资、提供信用证服务、代付、办理信用卡等。金融服务逐步成为商业银行。。。银行卡个性越来越鲜明卡、卡、卡等等，。随着的发展，借记卡的功能明确，主要保留支付、和身份三大功能。但是，借计卡功能，人们接受因此，中国将渡过导入期，提前进入成长阶段。：在读大学生：一般具备较高文化素质，很可能成为较富裕的人群，从事于的文化素质较高的年轻人。电信、电力、外贸、金融、医药等国家公务员、或外资的管理人员抗风险能力。当市场略有变