我国商业银行信贷风险问题及对策建议ProblemsandcountermeasuresofcreditriskofcommercialbanksinChina摘要伴随着科技与现代技术的不断发展与银行业务体系的成熟，目前信贷资产业务是商业银行主要的业务，其主要难点便是商业银行信贷风险管理。因为我国银行业发展时间与其他国家相比不是很长，信贷风险的管理水平较于其他国家有点落后，所以信贷资产存在着许多问题及风险隐患：比如借款企业的经营风险和道德风险，信贷风险管控水平滞后，信贷风险缺乏稳健的监督机制，信贷风险保障制度存在的问题如信息不对称等信贷风险的问题，对于风险的评估水平并不先进，并且有严重的倾向产业行为贷款后的管理不严格监管体系不健全等很多风险，因此，风险管理是商业银行信贷的重要环节。本文提出，例如调查商业银行的风险，完善商业银行风险的评估，考虑多重环节的多种因素贷款后，严格把控全面完善监管体系等对策，并根据商业银行各类的数据分析，通过这些数据的分析得出商业银行信贷风险所存在的问题，并且根据这些问题提出解决措施。本人从商业银行信贷风险管理存在的问题入手，分析商业银行信贷风险存在的问题，针对这些问题提出建议，提出有针对性的建议与对策，有利于促进商业银行健康平稳的发展。关键词：风险管理；信贷；商业银行ProblemsandcountermeasuresofcreditriskofcommercialbanksinChinaAbstractWiththecontinuousdevelopmentofscienceandtechnologyandthematurityofbankingbusinesssystem,creditassetbusinessisthemainbusinessofcommercialbanksatpresent,anditsmaindifficultyisthecreditriskmanagementofcommercialbanks.BecausethedevelopmentofChina'sbankingindustryisnotverylongcomparedwiththatofothercountries,andthemanagementlevelofcreditriskisalittlebackward,therearemanyproblemsandhiddenrisksincreditassets:Suchasborrowingenterprisemanagementriskandmoralrisk,creditriskcontrollevellag,lackofsoundsupervisionmechanismofcreditrisk,creditrisksecuritysystemexistingproblemssuchasinformationasymmetry,etc.Theproblemofcreditrisk,riskassessmentisnotperfect,industryconcentration,post-loanmanagementisnotstrict,theregulatorysystemisnotcomprehensive,andmanyotherpotentialrisks.Therefore,riskmanagementwillbethelifelineofcommercialbankcredit.Thisthesisputsforwardcountermeasuressuchasactivelyinvestigatingriskinformation,improvingriskassessment,consideringvariousindustrialtypes,strictlycontrollingpost-loansupervision,andcomprehensivelyimprovingsupervisionsystem,Suchasmanagementwillbethelifelineofcommercialbankcredit.Thisthesisputsforwardcountermeasuressuchasactivelyinvestigatingriskinformation,improvingriskassessment,consideringvariousindustrialtypesandfindmethods.KeyWords：Riskmanagement;Credit;CommercialBanks目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II引言....................................................................................................................................1一、绪论................................................................................................................................2（一）研究背景............................................................................................................2（二）研究目的与意义................................................................................................2（三）研究思路与研究内容...........................................................................................
