金融危机对我国商业银行信用风险管理的启示  

On the Inspiration of Financial Crisis to Chinese Commercial Banks Credit Risk Management

作　　者：邓佳琪[1] 

机构地区：[1]东北财经大学研究生院,辽宁大连116023

出　　处：《内蒙古财经学院学报（综合版）》2010年第5期106-110,共5页Journal of inner Mongolia finance and economics college

摘　　要：2007年美国次贷危机的爆发说明:即使是拥有先进技术和管理经验的优秀银行,不能做到对信用风险审慎细微的管理和监控,也将难以长期立足于世界优秀银行的之列。以我国商业银行经营管理数十年经验来看,信用风险管理根基尚浅,仍存在信用风险较为集中、组织结构有待优化、技术欠缺和业务人员激励不足等问题。这次危机为我国商业银行信用风险管理敲响了警钟,需要我国商业银行认真审视其在信用风险管理方面的不足,减少授信业务损失,提高商业银行的盈利能力。本文通过对我国商业银行信用风险管理的发展回顾,分析次贷危机的新特点及其对我国的影响,并针对我国信用风险管理中的问题提出未来应采取的对策。The breakout of the US sub-prime crisis in 2007 shows that even for the excellent banks with advanced technology and management experiences,without careful administration and supervision of credit risks,it will be impossible to be in the list of world excellent banks for a long-term. From the experiences of Chinese commercial banks management in the past ten years,the basis for credit risk management is unstable. The problems include: credit risk is relatively concentrated; the organization structure should be optimized; lack of technology and incentive system for business personnel etc. This crisis is an alarm to Chinese commercial banks credit risk management. It urges them to survey its inefficiencies in credit risk management,reduce the loss of giving credit business and improve their profitability. Through an review of the development of Chinese commercial banks credit risk management,this paper analyzes the new features of the sub-prime crisis and its effect on China and puts forward future countermeasures.

关 键 词：金融危机 信用风险 组织结构 人员激励 风险测量技术 金融创新 

分 类 号：F83[经济管理—金融学]