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贷款风险度量是对贷款预期风险发生的可能性,即风险产生的概率、以及贷款事实风险可能造成的损失作出评价,是贷款风险管理的重要组成部分和核心技术手段,也是贷款风险管理的关键和难点部分。目前,农信社系统贷款风险五级分类管理正在试点阶段,即将在全国推行。随着贷款风险分类管理方式的确定,农信社如何通过引入并加强贷款风险量化管理来提高贷款风险管理水平,值得经营管理者深入研究。
Loan risk measurement is the possibility of loan expected risk, that is, the probability of risk occurrence, and the possible loss of loan factual risk, which is an important part of loan risk management and core technical means, and also the key of loan risk management. Difficult part. At present, the RCCs’ systematic loan risk classification management is undergoing a pilot phase and will be implemented throughout the country. With the classification of loan risk management, how RCCs can improve their loan risk management by introducing and strengthening the quantitative management of loan risks deserves to be further studied by managers.