商业银行信贷风险控制要素研究

从银行信贷项目全面风险管理概念的内涵出发，构建了银行信贷项目风险控制要素的概念模型，并对银行信贷项目风险控制要素对银行信贷项目风险的影响进行了实证分析。得出如下结论：环境因素并不是银行信贷项目风险产生的主要原因，银行内部控制制度对信贷项目风险有显著影响。据此提出如下建议：中国银行业在金融风暴中应通过完善内部控制制度来加强传统信贷业务的风险管理，以保证银行业的长治久安。

Actual Controller Class.Nature of Financial Institution and Guarantee Behavior of Listed Company

This paper defines the comprehensive risk management of bank credit project through multi-angle analysis,and establishes the conceptual model on control factors of commercial bank′s credit risk.Through the questionnaire survey,it empirically analyzes the effects of control factors on commercial bank′s credit risk.It draws the following conclusions:the external environmental factor is not the main reason causing credit project risk;and the factor of internal control system of bank have the obvious impact on credit project risk. Finally,it puts forward that the banking industry in China should improve the internal control system to strengthen the risk management of traditional credit business in order to ensure the long-lasting political stability.