论我国商业银行信用风险管理体系的构建

信用风险是商业银行在经营活动中面临的主要风险。随着我国金融开放程度的加深,银行业的信用风险有日益加剧的倾向。在国际银行业信用风险管理日趋量化、系统化、信息化、动态化、综合化和法制化的新趋势下,我国很有必要从中汲取先进经验,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。

On the Construction of Credit Risk Management Mechanism of China's Commercial Bank

Credit risk is the primary risk that commercial banks encounter nowadays.As Chinese finance is increasingly open,commercial bank's credit risk tends to rise.The credit risk of international banking is managed in a quantitative,systemic,information-based,dynamic,comprehensive and legal manner.Therefore it is necessary to draw advanced experience in an attempt to create a credit risk management model suitable to China,to widen channels of seeking credit,to perfect credit management institutions,to establish commercial bank's credit evaluation system targeted at individual and enterprise,and to improve the law system of credit risk management.