| 国有商业银行信贷风险管理存在的问题及对策 |
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| 引用本文： | 郭丹,董影. 国有商业银行信贷风险管理存在的问题及对策[J]. 北方经贸, 2013, 0(5): 115-116 |
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| 作者姓名： | 郭丹 董影 |
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| 作者单位： | 黑龙江八一农垦大学,黑龙江大庆,163319 |
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| 基金项目： | 黑龙江省教育厅项目《积极发展高端服务产业;促进黑龙江省经济社会快速、健康、持续发展研究》 |
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| 摘 要： | 目前我国国有商业银行最突出的问题表现在信贷资产质量低下、不良贷款率长期居高不下,以致银行信贷风险已经成为我国金融风险的最大隐患。因此,改革我国国有商业银行信贷风险管理机制势在必行。要提高信贷资产质量,健全风险管理机制,建立完整的风险管理法律法规体系。
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| 关 键 词： | 国有商业银行 信贷风险 信贷风险管理 |
Research on the problems of credit risk management in our state-owned commercial banks |
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| Guo Dan , Dong Ying. Research on the problems of credit risk management in our state-owned commercial banks[J]. Northern Economy and Trade, 2013, 0(5): 115-116 |
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| Authors: | Guo Dan Dong Ying |
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| Affiliation: | (Heilongjiang Bayi Agricultural Universit,Heilongjiang Daqing 163319) |
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| Abstract: | Currently the most prominent issues in State owned commercial bank credit assets quality low,chronically high rates of bad loans,so that bank credit risks have become the greatest hidden financial risks in China.Therefore,reform in State-owned commercial banks ' credit risk management mechanism is imperative.On perfecting the system of State-owned commercial banks ' credit risk management in this article more comprehensive and in-depth research,made a poor quality of credit assets,high bad loan ratio,credit risk management mechanism behind,problems of the lack of a sound legal and regulatory system,and made corresponding solutions. |
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