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信贷风险管理是现代商业银行风险管理的核心内容。20世纪90年代以来,信贷风险管理成为商业银行风险管理中最核心也最具挑战性的问题之一。随着金融市场日益发展,创新金融手段和衍生金融工具不断出现,商业银行所暴露出来的信贷风险也开始成倍增长,性质也更为复杂。因此,我国商业银行必须培育先进的信贷风险文化,以提高自身风险识别和控制能力,保证商业银行的健康发展。
Credit risk management is the core of modern commercial bank risk management. Since the 1990s, credit risk management has become one of the core and most challenging issues in the risk management of commercial banks. With the continuous development of financial markets, innovative financial instruments and derivative financial instruments continue to emerge, and the credit risk exposed by commercial banks has also started to double and the nature is also more complicated. Therefore, China’s commercial banks must cultivate advanced credit risk culture in order to improve their risk identification and control ability and ensure the healthy development of commercial banks.