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信贷风险管理,自银行成立以来就是银行管理的重要内容。由于我国风险管理起步较晚,信贷风险的控制单一,人员风险管理理论缺乏,整体风险管理水平落后。充分认识信贷风险的产生,了解信贷风险管理理论,化解信贷风险的手段,积极借鉴、学习国外先进的风险管理方法,尽快完善自身的风险文化建设,提高管理人员素质,将是商业银行长期稳定发展的保证。本文主要就是从信贷风险的产生,风险管理理论,化解方法,建议这四个方面进行阐述。
Credit risk management has been an important part of bank management since its establishment. Due to the late start of risk management in our country, the single control of credit risk, the lack of theory of personnel risk management and the backwardness of overall risk management. Fully understand the generation of credit risk, understand credit risk management theory, the means of resolving credit risk, actively learn from and learn advanced foreign risk management methods, as soon as possible to improve their own risk culture and improve the quality of management personnel, will be the long-term stable development of commercial banks The guarantee. This article mainly elaborates from four aspects: credit risk generation, risk management theory, resolving method and suggestion.