现代商业银行信贷资产风险管理研究

风险管理是商业银行管理的核心之一。我国商业银行风险管理的现状在职能厘定、管理机制以及队伍建设等方面都有改革的必要。因此,建立完善我国现代商业银行信贷资产风险管理体系,必须着力抓好制度、文化和人三个关键要素;同时,把握先进性原则,构建以风险控制为核心的信贷风险管理文化;把握层次性原则,探索健全风险管理机制;把握动态性原则,建立和强化信贷风险预警体系;把握渐进性原则,加强信贷风险管理信息系统建设;把握应变性原则,提高风险控制能力和信贷资产质量;把握人本性原则,带好一支高水平的信贷风险管理队伍。

Risk Management of Credit Assets by Modern Commercial Banks

Risk management is at the core of management in commercial banks. The reality of risk management in our commercial banks demands that reform be conducted in function delimitation, management mechanism and staff training. Therefore, in order to establish and improve the risk management system regarding credit assets, it is necessary to grasp well three key factors of system, culture and staff. At the same time, it is also important to dynamically and flexibly stick to the principle of progressiveness, structural difference and gradual development, facilitate a credit risk management culture with risk control at the core, improve the risk management mechanism, establish and strengthen an early warning system; strengthen the information system, enhance risk-controlling capability with better credit assets quality and manage well a high-quality team against risks in a people-oriented manner.