摘要
商业银行的信贷风险已成为国民经济运行中的一种系统风险,其主要表现为商业银行积累的大量不良贷款。导致商业银行信贷风险不断聚集的主要原因是社会经济借贷化、企业经营不善以及银行自身一些难以消除的因素。产权改革是解决银行信贷风险产生的根源问题,同时也要改善社会信用环境和建立信贷退出机制。
Commercial bank's credit risk has become a risk system in national economic operation. It's mainly embodied by large amounts of bad loans accumulated in commercial banks. The major reasons for the accumulation of commercial bank's credit risk are the being-on-loan of social economy. The mamanagement of enterprises and unextinctable factors residing in banks. Reform of property right is the radix solutio to the emergence of commercial bank's credit risk, meanwhile social credit environment should be proved and credit exit system establiished.
出处
《哈尔滨商业大学学报（社会科学版）》
2003年第2期36-38,共3页
Journal of Harbin University of Commerce:Social Science Edition
