宽松货币政策形势下银行信贷风险的识别与防范

在今年贯彻国家"保增长、扩内需、调结构"的决策部署,实施宽松的货币政策形势下,商业银行信贷高速增长,在防止经济过快下滑、支持经济回暖的同时,也面临着许多特殊的风险.本文分析了在当前信贷高增长背景下需要重点关注的七大信贷风险,以及可能影响信贷资产质量变化的因素,提出从加强宏观经济分析、实现信贷结构优化、加强信贷精细化管理、控制集团客户中的关联贷款、防止银行资金对投机性活动的支持等方面采取必要的风险防范措施,保持商业银行的可持续发展.

How to Identify and Prevent the Credit Risk Given a Loose Monetary Policy

This year,by following the policy ofmaintaining the economic growth,expanding domestic demand and re-adjusting the economic structure,the implementation of a loose monetary policy has driven a swiftly growth of credit financing to prevent rapid decline in the economy and therefore to support economic upswing.However,at the same time,commercial banks have to face a number of abnormal risks.This paper aims at analyzing seven types of credit ricks appeared with the current rapid credit growth,and factors that ...