我国商业银行信贷风险原因分析及防范建议

信贷风险是金融机构和监管部门风险防范与控制的主要对象和核心内容,长期以来,风险管理水平不高制约了我国商业银行核心竞争力和盈利能力的提升。本文阐述了信贷市场的道德风险、逆向选择、寻租行为等问题,分析了信贷风险产生的主要原因,同时对进一步防范我国商业银行信贷风险提出建议措施。

The Reasons for the Credit Risk of Commercial Banks in China and Countermeasure Analysis

Credit risk is the main object and core content of the risk prevention and control for financial institutions and regulatory departments, and for a long time, the low level of risk management has constrained the core competitiveness and and profitability of China＇s commercial banks. The paper describes the moral hazard, adverse selection, rent-seeking behavior in credit markets, and analyzes the relevant main reasons, and finally supplies suggestions and measures for guarding against credit risk of the commercial banks