摘 要在经济发展日新月异的今天，对资金的流通速度有更高的要求。资金不仅是各行各业发展极其依赖的生产要素，而且还是现代市场经济的推动剂。资金的融通效率现在已经慢慢成为了保证社会经济活力与发展的关键要素。从目前来看，银行的信贷业务在社会资金的融通当中占据了主要的地位。所以，本文对商业银行的信贷风险及其成因进行了分析，并针对性提出了防范对策，以期加强商业银行信贷风险管理，促进我国商业银行信贷业务发展。关键词：商业银行；信贷风险；防范对策AbstractIn today's rapidly changing economy, there are higher requirements for the speed of capital circulation. Capital is not only a factor of production on which all trades and industries depend for their development, but also a driving force for the modern market economy. The efficiency of financing has gradually become the key factor to ensure the vitality and development of social economy. At present, the bank's credit business occupies a major position in the financing of social capital. Therefore, this paper analyzes the credit risks of commercial banks and their causes, and puts forward preventive measures in order to strengthen the credit risk management of commercial banks and promote the development of credit business of commercial banks in China.Key words:Commercial bank;Credit risk;Preventive measures目 录1 引 言…………………………………………………………………………12 商业银行信贷风险概述…………………………………………………………12.1 商业银行信贷风险概念…………………………………………………………12.2 商业银行信贷风险类型…………………………………………………………12.2.1 自然风险………………………………………………………………………12.2.2 社会风险………………………………………………………………………22.2.3 借方的违约风险………………………………………………………………22.2.4 商业银行经营风险……………………………………………………………22.3 商业银行信贷风险的特征……………………………………...
