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文章从银行管理角度出发,分析当前国有商业银行的信贷风险问题及其成因,并有针对性地提出了一些对策:要完善信贷风险管理制度;建立信贷专家管理队伍;创新信贷风险量化评估手段;建立科学的激励和惩处机制。
From the point of view of bank management, the article analyzes the problem of credit risk of state-owned commercial banks and its causes, and puts forward some countermeasures in a targeted manner: to perfect the credit risk management system; to establish credit expert management team; to innovate the quantitative assessment of credit risk; Establish a scientific incentive and punishment mechanism.