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2008年的美国次贷危机对我国金融业特别是银行业敲响了必须时刻防范风险的警钟。近几年来,我国国内的商业银行不断地进行着深化体制改革,通过不断改进授信流程,上交授信审批权,处理不良贷款等一系列措施,强化了资产风险的控制和管理。但是近些年来在全球市场和政策的不断变化中,内地商业银行的不良贷款量经常反复,而且数量惊人,损失惨重,所以说当前的银行信贷风险已成为构成我国商业银行最大的金融风险。因此,目前亟需研究制定如何规避,防范商业银行的信贷风险的具体措施,防止不良贷款的反弹。本文主要对我国商业银行信贷风险中所出现的问题进行分析,并且提出相关的对策。
The 2008 subprime mortgage crisis in the United States sounded the alarm that the financial industry in our country, especially the banking industry, must guard against risks at all times. In recent years, the domestic commercial banks in our country have been carrying on the system reform constantly, deepening the system reform and strengthening the control and management of the assets risks through a series of measures such as continuously improving the credit process, handing over credit approval and handling non-performing loans. However, in the ever-changing global markets and policies in recent years, non-performing loans of commercial banks in the Mainland frequently repeat, but in an alarming quantity and suffer heavy losses. Therefore, the current bank credit risk has become the largest financial risk in China’s commercial banks. Therefore, it is urgent to study and formulate specific measures on how to evade and prevent the credit risk of commercial banks so as to prevent the rebound of non-performing loans. This article mainly analyzes the problems that appear in the credit risks of commercial banks in our country, and puts forward some countermeasures.