摘要
当前我国金融市场自由化处于初级阶段,贷款在商业银行总资产中仍然占据较高比重,存在的诸多不确定性因素和风险因素使商业银行面临着经营风险日益严峻,加强信贷风险管理已经成为我国商业银行风险管理领域的核心。论文基于H银行的分析,发现商业银行的信贷风险管理理念、管理制度、信用评估体系及管理队伍均存在很多问题,为此,提出建立稳妥的经营理念、完善信贷风险管理制度、加强风险预警和监控、构建信贷业务激励考核机制和加强信贷管理队伍专业性建设等对策建议。
Liberalization of financial market in our country is still in the primary stage. Loans in total bank assets are in a large proportion. Existing uncertainties and risk factors make the operational risk of commercial banks become more and more serious. Therefore,strengthening the credit risk management has become the core of risk management in China＇s commercial banks. Based on analysis of H bank,this paper finds that in commercial banks many problems exist in concept of credit risk management,management system,credit evaluation system,and management team. Aiming at these problems,countermeasures are put forward such as establishment of sound business philosophy,improvement of credit risk management system,enforcement of risk warning and monitoring,construction of incentive assessment mechanism in credit business,and enhancing of professional credit management team construction.
作者
王静
李桂兰
WANG Jing LI Gui-lan(Commereial College, Hunan Agricultural University, Changsha 410128, Hunan Huizhou Branch Agricultural Bank of China, Huizhou 516000, Guangdong China)
出处
《惠州学院学报》
2016年第5期65-68,106,共5页
Journal of Huizhou University
关键词
商业银行
信贷风险
风险管理
commercial bank
credit risk
credit risk management
