信贷风险是银行业主要风险之一,甚至对整个金融市场都有很大影响,众多金融机构和监管机构都把信贷风险的防范和管理作为工作的核心内容。自2008年美国次贷危机之后,我国商业银行暴露出很多缺陷和不足,比如银行抗风险能力较差、银行资本充足率低等现象。不仅如此,我国商业银行发展年限较短,自身风险管理体制也存在很大的不足。因此,全面强化信贷风险防范对于我国商业银行信贷风险的管理策略研究具有现实意义。本文将通过商业银行现状分析得出我国商业银行信贷风险方面的问题,并提出相对切实可行的改进措施,以期对降低商业银行信贷风险有所帮助。 Credit risk is one of the major banking risks, and even has a great impact on the entire financial market. Many financial institutions and regulatory agencies regard the prevention and management of credit risk as the core content of their work. Since the subprime mortgage crisis in the United States in 2008, China’s commercial banks have exposed many shortcomings and shortcomings. For example, banks have a relatively poor anti-risk ability and low capital adequacy of banks. Moreover, the commercial banks in our country have a short development period and their own risk management system has great deficiencies. Therefore, it is of practical significance to comprehensively strengthen the research on the management strategies of credit risk in commercial banks in China. Based on the analysis of the status quo of commercial banks, this paper draws conclusions about the credit risk of commercial banks in our country and puts forward some relatively feasible improvement measures in the hope of reducing the credit risk of commercial banks.