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信贷资产风险管理是指:根据市场经济的特征,运用经济的、法律的和行政的手段及数学的方法,对信贷资产的预期风险和事实风险进行度量、防范和监控,达到信贷资产的正常归流和增值,实现信贷资产的安全性、流动性和效益性统一的管理机制。 一、信贷资产风险管理的必要性 1、信贷资产风险存在的客观必然。 党的“十四大”明确指出:建立社会主义的市场经济休系,市场经济在本质上是商品经济,也是一种风险经济,如果专业银行转变为商业银行后,不采取有效的防范措施,市场风险必然通过企业转嫁给银行,银行信贷风险也有了客观存在的基础。
Credit asset risk management refers to: according to the characteristics of the market economy, the use of economic, legal and administrative measures and mathematical methods, the expected risk of credit assets and factual risk measurement, prevention and control to achieve the normal return of credit assets Flow and value-added to achieve a unified management mechanism for the safety, liquidity and profitability of credit assets. First, the necessity of credit asset risk management 1, the objective existence of credit assets risk is inevitable. The “fourteenth congress of the party” made it clear that in setting up a socialist market economy, the market economy is essentially a commodity economy and a risky economy. If the specialized banks do not take effective precautionary measures after they are transformed into commercial banks, The market risk must pass through the enterprise to the bank, and the bank credit risk also has an objective foundation.