论国有商业银行信贷风险中的不良贷款问题

论国有商业银行信贷风险中的不良贷款问题

摘  要：银行是1个高风险行业，在提供各种金融产品的同时，也承担着各种风险。可以说，自从人类社会出现存货款等业务以来，银行风险和风险管理就伴随着它，成为银行体系的1个组成部分。信贷风险管理的理论和技术涵盖的内容多且复杂，其中不良贷款的比重增高是我国银行信贷风险加大的主要原因之1，是我国国有商业银行改制过程中遇到的1大难题,它不仅是国有商业银行转制的沉重包袱,而且也是国有企业建立现代企业制度的重要障碍,更对我国经济持续、快速、稳定的发展形成巨大的威胁。本文认为,对不良贷款问题进行深入研究并采取有效的防范措施,对我国目前的金融体制改革和国民经济的协调稳定和健康发展有着重要的意义。

关键词：商业银行，信贷风险，不良贷款，风险控制及对策

Research on the Non-performing Loans Problems of Credit Risk in the Commercial Bank

Abstract：The bank is a high risk profession and the bank is also undertaking various risks at the time of providing various financial products. That means since appeared the business of savings and loans in mankinds society, the bank risk and risk management has already accompanied with it and becomes constitutes part of bank system. the theories and technique of the loan risk management covers the contents is more and complications, and it is a big trouble of financial industry in our country that most of the banks in China has been stuck to a lot of non-performing loans. As the financial market continuously opening, especially after Chinas entry to WTO, foreign financial organizations will rush into and bring enormous shocks to our domestically financial industry. Therefore, various troubles of non-performing loans must become the barriers of the financial industry development. This article considered that research and adopt measure effectively to non-performing loans problem, it has very important meaning to current financial system reform and stable the national economy and healthy to development of our country.

Key words: Commercial bank; Credit risk; Non-performing loans; Risk control and Countermeasures （转载自http://zw.NSEAC.com科教作文网）