论文部分内容阅读
如今我国经济不断发展,银行的金融管理也日益突出,当前商业银行信贷工作都是以风险管理为主,以科学发展观为指导,认真贯彻落实国家宏观调控政策,围绕资金的安全进行风险防范管理,在长时间的防范过程中,信贷管理工作显示出具有有效性、针对性和前瞻性,切实提升了风险防范效果,又促进了经济的发展。但是在实际工作中也渐渐暴露出一些问题,对我国商业银行乃至金融业的健康发展造成了消极的影响,对于问题的存在,本文就此论述了一些控制银行信贷风险的一些有效途径。
Nowadays, with the continuous development of our economy and the increasingly prominent financial management of the banks, the credit work of commercial banks is mainly based on risk management. Under the guidance of the scientific concept of development, we earnestly implement the national macro-control policies and risk prevention and management around the safety of funds In the course of a long period of precautionary measures, the credit management work has shown its effectiveness, pertinence and forward-lookingness, effectively enhanced the effectiveness of risk prevention and promoted the economic development. However, some problems have gradually exposed in the practical work, which have a negative impact on the healthy development of China’s commercial banks and even the financial industry. For the existence of the problems, this article discusses some effective ways to control the bank’s credit risk.