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商业银行在经济中一直占据着比较特殊的地位,如果商业银行遭遇到了风险那么对整个国家的经济来说,影响是非常可怕的。因为它不仅仅影响着自身对于其它经济体也将造成很大的损失。因此对于商业银行而言,风险防范是其经营管理的核心。而银行信贷是商业银行经营的重点项目,也是营利的增长点之一,在新常态下商业银行信贷风险防范已经成为了商业银行的经营重心。作为我国四大商业银行之一的工商银行也同样如此,加强信贷风险防范减少信贷风险,有利于减少银行资金沉淀的同时,提升银行资金的流动性。
Commercial banks have always occupied a rather special position in the economy. If the commercial banks are exposed to the risks then the impact on the entire country’s economy will be very scary. Because it not only affects itself but also causes great losses to other economies. Therefore, for commercial banks, risk prevention is the core of its management. Bank credit is a key project operated by commercial banks. It is also one of the profit-making growth points. Under the new normal, the credit risk prevention of commercial banks has become the focus of commercial banks. The same is true for ICBC, one of the four largest commercial banks in our country. Strengthening credit risk prevention and reducing credit risk will help to reduce the bank deposits and enhance the liquidity of bank funds.