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我国商业银行的信贷扩张积累了较大的风险,金融危机的冲击将会引起贷款者信用风险的集中爆发。在全球金融危机环境下,我国商业银行必须加大信贷风险管理力度,将自身价值的所有来源包含在管理范围内,提前防范对银行体系内信贷所产生的不良影响,严格控制贷款者的信用级别,增强银行自身的流动性,加强金融创新监管,以全面保证商业银行信贷资产运作的安全性并保持持续健康的发展态势。
The credit expansion of China’s commercial banks has accumulated a greater risk, the impact of the financial crisis will lead to a concentration of credit risk of lenders. Under the global financial crisis, China’s commercial banks must step up credit risk management, include all sources of their own value within the scope of their management, prevent adverse impacts on credit in the banking system in advance, and strictly control the creditworthiness of lenders , Enhance the bank’s own liquidity and strengthen the supervision of financial innovation in order to fully guarantee the safety of the operation of commercial banks’ credit assets and maintain a sustained and healthy development.