浅析我国国有商业银行的信贷风险管理

浅析我国国有商业银行的信贷风险管理

摘要：本文旨在浅析我国国有商业银行的信贷风险管理。首先，通过对信贷风险的定义和分类进行概述，明确了研究的范围和目的。其次，分析了国有商业银行信贷风险管理的现状，包括法律法规和监管要求、内部控制与风险管理体系以及风险评估和监测手段等方面。然后，探讨了我国国有商业银行信贷风险管理的特点，包括法律法规和监管要求的特殊性、内部控制和风险管理体系的建设情况以及风险评估和监测手段的应用情况。接下来，分析了国有商业银行信贷风险管理存在的问题与挑战，包括不良资产问题和违约风险、内外部环境因素对信贷风险的影响以及技术创新和信息安全风险等方面。最后，提出了提升我国国有商业银行信贷风险管理的对策和建议，包括完善法规和监管制度、加强内部控制和风险管理体系建设、提升风险评估和监测手段的能力等。本研究对于进一步改善我国国有商业银行的信贷风险管理具有重要的实际意义和参考价值。

关键词：国有商业银行、信贷风险管理、法律法规、内部控制、风险评估

Abstract:This article aims to analyze the credit risk management of China's state-owned commercial banks. Firstly, by summarizing the definition and classification of credit risk, the scope and purpose of the study are clarified. Secondly, it analyzes the status quo of credit risk management of state-owned commercial banks, including laws, regulations and regulatory requirements, internal control and risk management system, and risk assessment and monitoring means. Then, the paper discusses the characteristics of credit risk management of state-owned commercial banks in China, including the particularity of laws, regulations and supervision requirements, the construction of internal control and risk management system, and the application of risk assessment and monitoring means. Next, it analyzes the problems and challenges of credit risk management of state-owned commercial banks, including non-performing assets and default risk, the influence of internal and external environmental factors on credit risk, technological innovation and information security risk. Finally, it puts forward the countermeasures and suggestions to improve the credit risk management of China's state-owned commercial banks, including improving the laws and regulations, strengthening the construction of internal control and risk management system, and improving the ability of risk assessment and monitoring means. This study has important practical significance and reference value for further improving the credit risk management of China's state-owned commercial banks.

Key words：State-owned commercial banks, credit risk management, laws and regulations, internal control, risk assessment

目录