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对于实行分业经营的中国商业银行信贷风险管理是最重要的工作内容,为了适应市场化改革,商业银行不断探索创新信贷风险管理并获得一定成效,但仍属于一个新的领域,理论准备、实践经验不足,因而存在着薄弱环节。存在着贷款投放过于集中、经营管理机制不健全和激励不足以及约束过度等问题。提出在灌输商业银行信贷风险管理意识、构建全面风险管理体预警系统和避免商业银行信贷投放过于集中的现状等完善我国商业银行信贷风险的对策。
In order to adapt to the market-oriented reform, commercial banks continue to explore innovative credit risk management and achieve some success, but it still belongs to a new field. Theoretical preparation and practice Lack of experience, so there is a weak link. There are problems such as excessive concentration of loans, unsound mechanisms for management and operation, inadequate incentives and excessive constraints. The countermeasures of perfecting the credit risk of commercial banks in our country are put forward, including instilling the awareness of credit risk management in commercial banks, establishing the early warning system of overall risk management and avoiding the over concentration of credit in commercial banks.