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1.商业银行面临信贷资产质量现状。2.商业银行信贷资产风险因素分析。(1)信贷流程集约化不足,信贷基础管理薄弱。(2)信贷资产押品价值波动,影响缓释措施的有效性。(3)客户群体发生裂变分化,影响银行的管理能力。3.商业银行信贷资产的风险防范。(1)密切关注宏观政策走向,抓住机遇加大结构调整。(2)密切关注区域产业调整进程,抓住机遇适时跟进。(3)密切关注新形势下客户的分解裂变,下大力气培育潜质客户,抓紧处置问题客户,不断优化客户组合。
1. Commercial banks face the status of credit asset quality. 2. Commercial Banks credit assets risk factors analysis. (1) The credit process is under-intensive, and credit-based management is weak. (2) The value of credit asset collateral fluctuates, which affects the effectiveness of mitigation measures. (3) fission and differentiation of customer groups, affecting the bank’s management ability. 3. Commercial Bank credit risk prevention. (1) Pay close attention to the macroeconomic policy and seize the opportunity to increase structural adjustment. (2) Pay close attention to the process of regional industrial restructuring and seize the opportunity to follow up in due course. (3) Pay close attention to the disintegration and fission of customers in the new situation, make great efforts to cultivate potential customers, pay close attention to disposing of customers and continuously optimize customer mix.