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随着社会主义市场经济的建立和发展,市场调节在整个社会生活中的力度将越来越大,企业经营机制的转换、商业供销“四放开”的推行,将把企业全面推向市场,但由于目前市场经济正处于起步、发育阶段,商品市场和金融市场尚不发达,两种调节手段的结合还不成熟,银行与企业诸多方面的关系还没有理顺,竞争机制尚不健全,许多政策还不配套,以致企业风险伴随着机制的转换在不断增加,银行信贷风险也将逐渐加大。因此,研究市场经济下的信贷风险,加强信贷资产风险管理,提高信贷资产质量也成为银行信贷工作迫切需要解决的一个重要课题。
With the establishment and development of the socialist market economy, the market will be adjusted more and more in the entire social life. The transformation of business operation mechanism and the implementation of commercial supply and marketing and “four liberalizations” will push the enterprises in full swing However, due to the current market economy is in its infancy and development stage, the commodity and financial markets are still underdeveloped, the combination of the two regulatory measures is not yet ripe, and the relationship between banks and enterprises in many aspects has not been straightened out and the competition mechanism is still not perfect Many of the policies are not yet implemented. As a result, the conversion of corporate risks with the mechanism is steadily increasing, and the risk of bank credit will also gradually increase. Therefore, studying the credit risk in the market economy, strengthening the credit asset risk management and improving the quality of credit assets have also become an urgent issue to be solved urgently in bank credit work.