关于我国商业银行公司类信贷业务风险监控机制浅析

本文从公司类信贷业务风险监控的核心指标、风险信息等方面,初步探讨了风险监控机制,论文认为:应将客户固定资产产生的经营现金流量作为风险监控的核心指标;将客户的风险信息分为宏观层面、竞争层面、集团层面和客户层面的信息;在对风险信息监测的基础上,应及时识别、评估客户风险,开展风险分类认定并设定跟踪的频率,并持续进行跟踪监测。在此基础上,本文提出了关于风险监控人员和风险监控系统两方面相关建议。

Analysis of China commercial bank credit business risk supervision mechanism

This paper from the company s business ris k type of credit monitoring of core indicators, risk information, the preliminary study of the risk control mechanism, papers that： customers should be the volume of fixed assets Cash flow from operations as a core set of indicators of risk control; customer risk Information is divided into the macro level, competition level, the group level and customer level information; monitoring of risk information based on timely identification, assessment of customer risk, risk classification identified and set the frequency of follow-up and ongoing monitoring to track . On this basis, this paper on the risk monitoring and risk Control systemS of both recommendations.