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信贷风险一直是银行信贷工作的重中之重,信贷风险的监控和防范,应该贯穿于整个贷款周期,在贷前调查、贷时审查、贷后检查管理的全过程中,需要形成相应的风险防范理念和风险监控机制。信息不对称、信息断层是我国银行信贷风险产生的深层次原因,银行要实现“既为经济增长提供足够的信贷支持,又保持自身稳健运行”的目标,必须解决好信息不对称、信息断层问题。
Credit risk has always been the top priority of bank credit work. The monitoring and prevention of credit risk should run through the entire loan cycle. During the whole process of pre-loan investigation, credit review and post-loan inspection management, corresponding risks need to be formed Prevention concept and risk monitoring mechanism. Asymmetric information and informational faults are the deep-seated reasons for the credit risk in China’s banks. Banks must achieve the goal of “providing sufficient credit support for economic growth while maintaining their steady operation” and must solve the problems of information asymmetry, information Fault problem.