发生于美国的金融危机波及全球多个国家,我国经济发展也受到了严重影响。在这样的背景下,商业银行要想稳步得到发展,必须要提高信贷管理水平,提升信贷风险应对能力,促使信贷业务健康发展。这些年来,国内商业银行一直存在信贷资金过度集中地投入到少数几个行业,使得放贷行业分布不均匀,对放贷的风险估计不足或缺乏估计、抵押物的价值缺乏准确地评估等问题。在竞争日益激烈的金融行业,商业银行必须要加强信贷风险管理和把控能力,不断提高银行内部控制水平,建立完善的风险评估和审计监督体系,严把信贷业务风险审核关,切实提高商业银行应对信贷风险的综合能力。 The financial crisis that took place in the United States has affected many countries in the world and our economic development has also been seriously affected. Under such a background, if commercial banks need to develop steadily, they must improve their credit management capabilities, enhance the ability to handle credit risks and promote the healthy development of credit operations. In recent years, there have been a number of problems that domestic commercial banks have invested heavily in credit funds in a few industries, making the lending industry unevenly distributed, lack of estimation of the risk of lending or lack of estimation, and the lack of accurate assessment of the value of mortgages. In the increasingly competitive financial industry, commercial banks must strengthen their credit risk management and control capabilities, continuously improve the internal control of banks, establish a sound risk assessment and audit supervision system, strictly control the credit business risk and effectively improve the commercial banks Comprehensive ability to deal with credit risk.