商业银行防范与化解信贷风险的对策分析

我国商业银行的信贷风险是显而易见的。长期以来在体制上,由于政府、企业和银行关系扭曲,缺乏有效的内控机制和风险防范措施,致使信贷风险不断堆积,潜伏的危机因素不容忽视。特别是不断增长的不良资产,已成为商业银行当前要解决的突出的问题。防范和化解这种信贷风险,需要从以下几方面着手:建立完善管理体制,构筑风险防范屏障;前移风险管理关口,建立风险预警机制;讲求信贷经营策略,有效处理信贷风险;正确运用法律手段,依法防范化解风险。

Exploration of the Risk Prevention and Diversion of Credit Risk in Commercial Banks

In China,credit risk is a long-term and ineluctable topic for commercial banks.The risks derived from the contortion of relationships between the government,enterprises and banks results in an effective system of self-control and risk prevention.The continual going-up of bad assets,as a result,has already been quite a prominent and threatening problem in China.The following are some measures to prevent or divert the credit risks: to establish the most reasonable management system,to build sound mechanism of risk prevention and precaution,to be strategic in credit dealings,and to get law involved in the prevention and diversion.