国际银行业信用风险管理新趋势及我国的借鉴

当前国际银行业信用风险的管理正日趋量化、系统化、信息化、动态化、综合化和法制化,这对我国银行业是一个重要启示。我国在金融开放程度不断加深,银行业竞争日益加剧的形势下,很有必要从此新趋势中汲取先进经验,开发出适用于我国的信用风险管理模型,并着力于拓宽征信渠道、健全信用管理机构、构建商业银行对个人和企业的信用评价体系及完善信用风险管理的法律体系。

The New Tendency of the International Bank's Credit Risk Management and Its Lessons to Our Country

The new tendency of international bank's credit risk management is quantitative,systemic,information,dynamic,integrative and lawful.It has important apocalypse to our country's bank.Under the position of our country's financial open deepening and the banks' competition changing to intensify,it is very necessary to draw advanced experience to create the suitable credit risk model,widen the channel of seeking credit,perfect the credit management institution,establish the commercial bank's credit judgment system to individual and corporation, and also perfect the law system of the credit risk management.