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随着金融全球化、市场化的强力推进和金融创新的快速发展,信贷风险管理正成为银行谋求持续发展的重要内容,各商业银行在经营中,由于主、客观因素的影响,将不可避免地面临着各种风险,具体包括信用、市场、操作、流动性及其它不同种类的风险和不同地理区域、不同业务部门、不同管理层面的风险;为了推动我国经济的快速增长,各家银行都加大了贷款力度,尤其是对集团客户的贷款比例明显加大,因此,加强银行信贷风险管理显得尤为重要。
With the rapid development of financial globalization and marketization and the rapid development of financial innovation, credit risk management is becoming an important part of banks seeking sustainable development. As commercial banks operate, due to the influence of both the objective and the objective factors, credit risk management will inevitably Faced with various risks, including credit, market, operation, liquidity and other different types of risks and risks in different geographic regions, different business units and different management levels. In order to promote the rapid economic growth in our country, all banks have added Large lending efforts, especially for the group of customers significantly increased the proportion of loans, therefore, to strengthen bank credit risk management is particularly important.