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现价段经济发展方式发生转变,经济增长方式从要素、投资驱动转变为消费、创新驱动,实体经济去产能、去库存、去杠杆不断加快,致使金融机构信贷风险压力不断上升,信贷风险危机尤其突出。面对这样的经济局势,金融机构应该对信贷风险的管理和控制进行全面研究,适时调整信贷策略,防范信贷风险,以便有效推动信贷业务的安全发展。金融机构信贷风险在经济运行新阶段呈现新的变化和特征,首先介绍当前由信贷风险引发“不良贷款双升”的现状,随后从金融机构自身、中小企业及互保联保三方面阐述其与信贷风险的关系,分析经济发展新趋势下金融机构信贷风险原因与对策。
At the current price segment, the mode of economic development has changed. The mode of economic growth has shifted from elements and investments to consumption and innovation. The real economy has been going to production, inventory and leverage. The pressure on credit risk in financial institutions has been on the rise, and the credit risk crisis has been particularly prominent . In the face of such economic situation, financial institutions should conduct a comprehensive study on the management and control of credit risks, adjust credit strategies in a timely manner and prevent credit risks in order to effectively promote the safe development of credit businesses. The credit risk of financial institutions presents new changes and characteristics in the new stage of economic operation. Firstly, it introduces the current situation of “non-performing loans double rising” triggered by credit risk, and then elaborates from three aspects: financial institutions themselves, SMEs and mutual guarantee Its relationship with credit risk, and analyzes the credit risk reasons and countermeasures of financial institutions under the new trend of economic development.