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信贷资产是风险资产,信贷经营即是以风险控制为核心的资产经营。信贷经营的目标就是通过风险识别、风险监控,建立起风险控制系统使风险决策科学、有效,从而实现信贷资产风险与收益的最佳均衡。一、信贷风险的含义与特点1.信贷风险可以用三种方式进行表述:①信贷风险是信贷资产面临不利事件或损失发生的概率及其后果的函数。即:
Credit assets are risk assets, and credit operations are asset management with risk control as the core. The goal of credit management is to establish a risk control system to make the risk decision-making scientific and effective through risk identification and risk monitoring so as to achieve the best balance between risk and return of credit assets. First, the meaning and characteristics of credit risk 1. Credit risk can be expressed in three ways: ① credit risk is a credit asset adverse event or loss probability and its consequences as a function of the outcome. which is: