摘要
作为一种经济现象,商业银行贷款风险具有客观性。一直以来,商业银行的不良贷款比率都较高,情况十分不乐观。商业银行贷款风险一方面给商业银行的运营带来了不利影响,一方面还阻碍到了银行经济效益以及市场信誉的提升。因此,为了符合新协议的相关标准,在日益激烈的市场竞争中处于优势地位,商业银行就必须采取措施对贷款风险进行防范。文中从实际情况出发对商业银行贷款风险的相关现状进行了阐述,并在此基础之上分析了造成贷款风险的原因,进一步提出了相关的应对措施。
As an economic phenomenon, commercial bank credit risks are objective. It is quite negative that the non-performing loan ratio of commercial bank maintains high. As results of credit risks, there are two main adverse impacts.One is that the high bad loan ratio can impede the operation of commercial bank, the other is that it can reduce the economic profits as well as the goodwill of commercial bank. In order to gain an edge in competition, it is important and necessary for commercial bank to take some measures to decrease credit risks. In this essay, I would like to discuss how are credit risks going now, the causes of credit risks and give some suggestion.
出处
《物流工程与管理》
2014年第8期161-162,共2页
Logistics Engineering and Management
关键词
商业银行
贷款风险
建议
commercial bank
credit risk
suggestion
