随着国际金融市场的不断发展

Research on credit risk management of China's commercial banks Abstract With the continuous development of the international financial market, especially the United States in 2008 the outbreak of the subprime crisis, our country commercial banks asset quality deterioration, non-performing loan ratio is higher, the state-owned commercial bank credit risk exposure is not sufficient, makes the risk of commercial Banks in China has a tendency to increase. However, the credit risk has always been the most important forms of risk for the banking sector and the whole financial industry, but also is financial institutions and regulatory authorities to prevent and control the main target and the core content. After China's accession to the WTO, domestic commercial banks have more impact on the international and domestic factors, to take on more inside and outside risk, increasing our country commercial bank credit risk problems in commercial banks operating risk, and affect the stability of the economic and financial development in our country. Plus the state-owned commercial bank credit risk management system has some defects, causing financial repression phenomena long-term accompanied by China's economic life reality. To win in the increasingly fierce market competition, strengthening comprehensive credit risk prevention has become the top priority. Therefore, our country commercial bank credit risk prevention research has both theory value and practical significance. Based on the theory of financial development and bank credit management practices, to put forward our country commercial bank credit risk management the main problems existing in. On this basis, from the commercial banks should by cultivating credit culture, a sound system of risk rating, specification loss prediction, and price management, strengthen risk monitoring and supervision and perfecting the system construction of internal control and so on five aspects to our country commercial bank credit risk management puts forward feasible countermeasures and suggestions, so as to promote the healthy development of commercial banks in China. 【Key words】Commercial banks Credit management Credit Risk

绪论

信贷业务是我国商业银行的主要收益来源，而信贷风险也是商业银行面临的主要风险。

入世以来我国商业银行在信贷风险管理上不断研究探索，取得了一些成绩，然而与外资银行

相比，仍然存在较大差距，经营管理水平尚不足以与国际接轨，席卷全球的次贷危机虽然已

经过去，但是宏观经济政策的调整又使商业银行面临着新的信贷风险。因此，商业银行务必

要强化信贷风险管理，同时，由于银行的信贷风险贯穿于信贷流程的每一个瞬间，也需要每

个参与者建立信贷风险意识。本文就当前我国商业银行信贷风险管理存在的主要问题及相关

对策进行了探讨，并将从银行信贷流程的每个参与者来研究商业银行信贷风险的原因，并提出建议，以期提高我国商业银行的经营管理能力，更好的迎接市场的挑战。

通过本课题，我们可以清楚地了解我国商业银行信贷风险（包括房地产信贷、个人消费

信贷等）的形成机制与影响因素，目前我国商业银行信贷风险管理中存在的主要问题，以及近年来实施信贷风险的内部控制所取得的成果及存在的问题等现实状况，从而为我国商业银

行信贷风险管理的进一步改革和创新提供一定的参考依据。此外，本课题还对国内外学者对