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在商业银行所有金融业务中,信贷业务包含着最大的风险。国内外许多银行的倒闭表面上是因为流动性危机,但究其实质,则是由于大量无法收回的贷款呆帐损失造成的。而那些信誉卓著、经营成功的银行在很大程度上得益于其有效的信贷风险策略。因此,如何结合我国实际,建立国有商业银行防范和化解信贷风险营运机制,科学、积极、有效地实施贷款风险管理,是关系到国有商业银行实现经营管理机制和业务发展方式的根本转变,提高信贷资产质量和经营效益的重要理论和实践问题。
In all the commercial banking business, credit business contains the greatest risk. The collapse of many domestic and foreign banks is ostensibly due to the liquidity crisis, but its essence is due to the large losses of bad loans that can not be recovered. And those reputable, successful banks benefit in large part from their effective credit risk strategy. Therefore, how to establish a state-owned commercial bank to prevent and resolve the operation mechanism of credit risk in combination with the reality of our country and to implement the loan risk management in a scientific, positive and effective manner is a fundamental change in the management mechanism and business development mode of state-owned commercial banks, Asset quality and operating efficiency of the important theoretical and practical issues.