我国上市城市商业银行信贷风险实证研究

信贷风险管理能力是我国城市商业银行核心竞争力的主要决定因素之一，良好的信贷风险管理能力有助于城商行稳健运营。本文通过对我国上市城商行信贷风险进行实证分析，揭示我国上市城商行不良贷款率与其影响因素之间的关系，并提出加强信贷风险管理的相应建议措施。

An Empirical Study on the Credit Risk of Commercial Banks in China's Listed Cities

The credit risk management ability is one of the main factors of the core competitiveness of China's urban commercial banks, good credit risk management ability is helpful to the city ifrm steady operation. This paper on China's listed city commercial bank credit risk empirical analysis, reveal the relationship between the rate of non-performing loans of listed city commercial banks and its influencing factors, and puts forward corresponding suggestions and measures of credit risk management.