题目 我国商业银行的信用风险管理及策略分析摘要就中国而言，自我国改革开放以来，经济建设在不断发展，商业银行已经成为金融市场的重要部分，这样可以有效的增加商业银行的信用，一旦商业银行没有完全控制住信用风险，就会影响金融市场的稳定发展。但是，商业银行没有良好的信用风险管理措施，管理基础较为薄弱，存在一定的信用风险。因此，提出了相应的信用风险管理问题的解决方案。反过来，它保证了整个国民经济和社会的可持续发展。本文采用中国经贸网统计数据库，中国人民银行多年来的统计，货币政策的实施等方法，结合 HHI 指数等方法，针对国内商业银行信用风险管理方面可能会出现的问题进行了分析，从分析结果中发现商业银行拥有很高的集中度风险，没有完善商业银行的信用管理过程，没有对信用风险进行量化，缺乏高质量的信用风险管理团队。因此，中国的商业银行需要放慢信贷风险集中度，优化信贷业务流程，建立适合中国国情的信贷风险计量和风险管理方式，非常注重培养人才。关键词：商业银行；信用风险；风险管理AbstractAs far as China is concerned, with the further development of reform and opening up, commercial banks, as an important part of the financial market, will increase their credit risk. Once the credit risk control of commercial banks is not in place, it will affect the stability of China's financial market. However, the credit risk management foundation of commercial banks is weak, the management mode is backward, and there are certain credit risks. Therefore, the corresponding credit risk management solutions are proposed. In turn, it ensures the sustainable development of the whole national economy and society.In this paper, using the statistical database of China Economic and Trade Network, the statistics of the People's Bank of China for many years, the implementation of monetary policy and other methods, combined with the HHI index and other methods, this paper analyzes the problems of credit risk management of commercial banks in China, and finds that the co...
