摘要
在金融危机背景下,授信业务风险控制是商业银行取得健康发展的必然要求,是我国金融市场发展的重要要求,是保持商业银行竞争力的关键举措。目前,我国商业银行对金融危机影响的认识度较低,授信业务发展存在盲目性,缺乏完善的风险预警和应对机制,以及对授信风险管理的必要投入。商业银行应该从强化对金融危机的认识、严格监管授信业务的发展、建立健全风险预警及应对机制、适度加大对授信风险管理的投入等方面来强化其在金融危机背景下的授信业务风险控制能力,以此全面提升商业银行的风险管理能力。
The risk control of credit business is the inevitable requirement of healthy development of commercial banks, is the important requirement of development of China's financial market and is the key measure to keep the competitiveness under the background of financial crisis. Our commercial banks now have low understanding degree of financial crisis influence, blind credit business development,and imperfect risk early warning and response mechanism, and necessary input to the credit risk management. Commercial banks should strengthen the understanding of financial crisis, strictly supervise credit business development, establish and improve the risk early warning and response mechanism, and moderately increase the investment of credit risk management, so as to strengthen the risk control and management ability.
出处
《商业经济》
2016年第12期-,共3页
Business & Economy
关键词
金融危机
商业银行
授信业务
风险控制
financial crisis
commercial banks
credit business
risk control
