摘要
信用风险是金融市场的一种重要风险,也是现代金融机构面临的最主要风险。商业银行信用风险管理是商业银行为防止和减少贷款损失,采取有效的防范、化解和控制措施,保障信贷资产安全和获利能力的活动过程。商业银行信用风险成因复杂,管理内容多样,风险管理也应该有科学的手段。
Credit risk is an important risk in the financial market, and it＇s the primary risk that modem financial institutions are confronted with. Credit risk management in commercial banks is a process in which commercial banks take effective precautionary, resolving or control measures to prevent or reduce loan losses and to safeguard the safety and profit ability of their credit assets. The causes for credit risks of commercial banks are very complex and the content of their management is varied, so scientific measures are indispensable.
出处
《五邑大学学报（社会科学版）》
2006年第3期71-74,95,共5页
Journal of Wuyi University(Social Sciences Edition)
基金
中国博士后科学基金(2005038042号)
江门市社科规划项目资助
关键词
信用风险
成因分析
信息不对称
风险管理
实证分析
credit risk
cause analysis
information asymmetry
risk management
empirical analysis
