商业银行信用管理功能缺位导致的失信行为及其防范

商业银行信用管理有狭义和广义之分,但重点是加强信用风险管理。当前,我国商业银行信用管理功能未能很好地发挥,明显存在＂功能缺位＂,致使参与金融活动的主体存在违约的可能性,进而导致失信行为。只有不断完善各项信用管理制度和办法,提高商业银行信用管理的效率,才能有效地防范和化解商业银行包括信用风险在内的各种风险,防范和杜绝各种失信行为的发生。

Dishonesty Done by Commercial Banks in Absence of Credit Management Functions and How to prevent against it

Commercial bank credit management has narrow and broad senses,but the focus is to strengthen credit risk management.At present,the role of commercial bank credit management in China has not been put into play,thereby an obvious ＂functional absence＂,resulting in the possibility of default made by the participants of financial activities,which may lead to dishonesty.Only by constantly improving the credit management system and methods and achieving efficiency in credit management of commercial banks,can we effectively prevent and resolve the various risks for the commercial banks,including credit risk,prevent and eliminate all kinds of dishonest behavior.