构架我国商业银行信贷资产风险管理体系

风险管理愈来愈受到各国商业银行的重视 ,目前我国银行信贷资产质量已成为严重制约国民经济发展的“金融瓶颈”。面对加入WTO后国内外激烈的竞争态势 ,如何健全商业银行信贷资产风险管理体系已是摆在我们面前迫切需要解决的一个重大课题 ,文章对此作了初步的探讨。

Framing Credit Asset Risk Management System for Chinese Commercial Bank

The commercial banks over the world attach more and more importance to the risk management. At present, in our country, the bank credit asset quality has become the "commercial bottle neck" which hinder severely the development of domestic economy. When facing with the fierce competitin at home and abroad after joining the WTO, we are pressed to solve the big problem of improving the credit asset risk management system for commercial bank This article thus makes a discussion this question.