商业银行信贷危机及防范措施.docVIP

- . z 我国商业银行信贷存在的风险及应对措施 【摘要】 随着我国成功参加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，而商业银行在我国整体经济开展的舞台上扮演着越来越重要的角色，担负着“转型与开展〞的双重使命。与此同时，商业银行所面临的业务压力更大了，信贷风险也愈加增大了。现阶段，信贷业务是我国商业银行所有业务中最重要的，因此最主要的风险就是处理信贷过程中的资金风险。信贷过程中的资金平安和风险防*不仅关系到商业银行的可持续开展、更是成为影响国民经济能否安康、稳定、快速开展的重要保障。针对以上实际情况，本文将从我国商业银行信贷的功能、个性业务亮点、客户群体等现状，以及商业银行开展到现在所存在的风险等方面提出了如何意识并防*国有商业银行现代风险，进而提出提高商业银行意识、防*和化解资金平安风险的具体措施。 关键词：商业银行；信贷风险；风险控制 ABSTRACT 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 mercial 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, mercial banks are facing greater pressure of business, credit risk increases even more. This stage, the credit business is mercial 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 mercial banks sustainable development, but also affect the national economy is to bee the healthy, stable, rapid development of an important safeguard. The actual situation in view of the above, this will feature Chinese mercial bank credit, personalized service highlights, customer groups, Deng status, and mercial banks have developed to the risks associated with, set how to understand and keep a look-out state-owned mercial banks risk, and then propose mercial banks to improve awareness, prevent and resolve financial security risks of specific measures Key words: mercial 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开展，通过同世界兴旺国家商业银行的比照、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开展，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。 信用中介功能 商业银行最根本的功能、最本质的特征就是信用中介。商业银行主要是通过集中社会上的闲散资金〔如