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目前,我国金融行业管理中,银行的发展问题日益显现,特别是一些商业银行贷款方面的发展日益突出。其中,商业银行的信贷风险管理是目前该工作的重中之重,其发展需要在国家的宏观调控下,对银行信贷资金风险管理进行防范化处理,这样才能保障商业银行的有序发展。在经济下行的形势下,我国商业银行信贷风险防范工作尤为突出。本文主要讨论经济下行形势下商业银行信贷风险防范工作,为促进商业银行的发展提供建议。
At present, in the management of China’s financial industry, the development of the banking sector is becoming more and more obvious. In particular, the development of some commercial banks has become increasingly prominent. Among them, the credit risk management of commercial banks is the most important task in the current work. Its development requires the precautionary management of the risk management of bank credit funds under the national macro-control so as to ensure the orderly development of commercial banks. Under the condition of economic downturn, the credit risk prevention work of commercial banks in our country is particularly outstanding. This article mainly discusses the credit risk prevention of commercial banks under the economic downturn and provides suggestions for promoting the development of commercial banks.