近年来,我国商业银行逐步加快了债券投资、中间业务等非利差收入业务的发展速度,但是在相当长的一段时期里,信贷业务仍将是我国商业银行最主要的资产业务,贷款利息收入也是商业银行营业收入的最主要来源,信贷资产风险管理无疑是我国商业银行风险管理的核心内容。 In recent years, China’s commercial banks have gradually accelerated the development of non-differential income services such as bond investment and intermediary business. However, for a long period of time, credit business will remain the most important asset business of commercial banks in China. The loan interest income It is also the most important source of commercial bank’s operating income. The credit asset risk management is undoubtedly the core content of the risk management of commercial banks in our country.