摘要
对于商业银行来讲,在其运转过程中,信贷风险是贷款业务及表外业务开展过程中所面临的一种风险。因为借贷者自身的经营状况和财务状况具有较多的变化,而且存在非常多的不确定因素,所以商业银行在经营期间可能会出现不能如期收回贷款本金以及利息的风险。因此,对当前我国商业银行的信贷风险进行研究,以及对相关的管理措施进行论述是非常重要的。
For commercial banks,in the process of their operation,credit risk is a kind of risk faced by the development of loan business and off-balance sheet activities.Because the borrower's own operating and financial conditions have undergone many changes,and there are many existing uncertain factors,commercial banks may encounter the risk during the operating period,that is,unable to recover the loan principal and interest as scheduled.Therefore,it is very important to study the current credit risk of China's commercial banks and discuss the relevant management measures.
作者
张建国
ZHANG Jian-guo(Wuwei Branch of China Construction Bank,Wuwei 733000,China)
出处
《中小企业管理与科技》
2021年第12期23-24,共2页
Management & Technology of SME
关键词
商业银行
信贷风险
管理
commercial banks
credit risk
management
