我国商业银行信贷风险成因与对策研究

目前我国商业银行信贷资产风险高是我国金融领域面临的突出问题，银行业经营风险因此增大，为金融危机的发生留下隐患，影响我国经济的长期稳定。因此，认真研究信贷风险的内在规律，分析和审视我国银行信贷风险的成因，对于健全我国商业银行信贷风险监控体系，提高信贷风险监控的效率，保证我国金融体系稳健、高效运行，实现经济的可持续发展，具有十分重要的理论和现实意义。本文以经济学和管理学的基本原理为基础，通过定性与定量分析，采取从具体到抽象的研究方法，深入分析了我国信贷资产质量低下的根源，最后结合我国现状提出若干对策和建议。

Credit Risks of Commercial Banks in China:Causes and Counter Measures

At present, there are great credit risks of commercial banks in China, and consequently, the management risks of commercial banks increase, which lead to the hidden financial crisis and affect the stability of China's economy in the long run. Hence, searching for the inner rules of credit risks as well as analyzing the causes of credit risks in China is good for the improvement of commercial bank supervision system, for the enhance of efficiency and for the realization of the sustainable development in China. This essay, based on the elementary theories of management and economy, using the quality and quantity analysis, makes a deep research into the root of low quality of credit assets in China. Finally, some suggestions are put forward regarding the actual situation in China.