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自我国在2010年成为全球第二大经济体以来,市场经济的开放程度不断提高,经济全球化的影响不断加深,导致我国宏观经济的不确定性也与日俱增。在此背景下,我国商业银行正在面临着严峻的信贷风险。为了获得稳定的发展,抢占市场份额,我国商业银行要革新管理方式,注重风险的防范。要注重宏观经济不确定下的信贷风险分析,完善我国银行业信贷内部控制制度,提高宏观经济不确定条件下的行业信贷配置效率。
Since our country became the second largest economy in the world in 2010, the opening up of the market economy has been continuously enhanced and the impact of economic globalization has been deepening. As a result, the macroeconomic uncertainties in our country have also increased with each passing day. In this context, China’s commercial banks are facing severe credit risk. In order to achieve stable development and seize market share, commercial banks in our country need to innovate their management methods and pay attention to risk prevention. It is necessary to pay attention to the analysis of credit risk under macroeconomic uncertainty, improve the internal control system of banking credit in our country, and improve the industry credit allocation efficiency under the condition of macroeconomic uncertainty.