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信贷资产质量低下、信贷风险过高是我国商业银行经营风险的主要表现形式。以二级分行为调研对象 ,对基层行的信贷风险作了相对细分 ,探析了信贷风险成因 ,并就提质降比的途径进行了积极的探索。
The quality of credit assets is low and the credit risk is too high, which is the main manifestation of the operational risks of commercial banks in China. Taking secondary branches as the research object, the credit risk of grass-roots banks was comparatively subdivided, the causes of credit risk were analyzed, and the ways of improving the quality and reducing the ratio were actively explored.