商业银行是一个国家金融、经济的核心,其经营的成败直接关系着一个国家的经济稳定。2008年9月起,华尔街爆发了百年罕见的金融风暴,并在全球迅速蔓延,世界各国股指暴跌,石油、黄金、期货等商品价格大幅下挫,失业率猛增……这场风暴振动全球!危机爆发原因错综复杂,主要是美国次级贷款的恶化,而贷款恶化是典型的信用风险事件,也即银行在信贷风险管理、控制上有所欠缺和制度执行不到位。 Commercial banks are the core of a country’s finance and economy. The success or failure of its operation is directly related to the economic stability of a country. Since September 2008, a rare financial crisis broke out on Wall Street and spread rapidly around the world. The stock indices of various countries in the world plunged. The prices of commodities such as oil, gold and futures plummeted, and the jobless rate soared. The reasons for the outbreak are complex, mainly due to the deterioration of the subprime loans in the United States. The worsening of loans is a typical credit risk event. That is, the banks are in short supply of credit risk management and control and the system implementation is not in place.