从江苏“铁本事件”看银行贷款风险管理  

Recognizing the Importance of Bank Loan Risk Management through the Study of Tieben Event

作　　者：戴小平[1] 

机构地区：[1]上海金融学院,上海201209

出　　处：《金融理论与实践》2004年第10期9-11,共3页Financial Theory and Practice

摘　　要：审慎经营、防范风险是商业银行经营的基本规则。江苏“铁本项目”造成的银行风险损失告诉我们:负债率过高是风险发生的一个信号,应正确处理银行与政府的关系,严格财务分析和信用评级、设置贷款保护、加强贷款检查是防范风险的重要措施。银行加强对产业政策的研究,加强银行之间的合作与信息沟通,提高监管的有效性也是防范风险的不可缺少的重要工作。Prudent operation with a minimum risk constitutes the fundamental principle of operation for commercial banks. The bank loss brought about by Tieben Event in Jiangsu shows that we should take the higher liability rate as the signal of risk occurrence and properly handle the relationship between bank and government. Some key measures for guarding against banking risks include: conducting a strict analysis of finance, improving credit rating, implementing lending guarantee and strengthening lending examination. Commercial banks should do deeper research in industrial policies and strengthen their mutual cooperation and communication. In addition, the effectiveness of banking regulation is of great importance for risk-prevention.

关 键 词：商业银行 贷款管理 风险防范 铁本事件 

分 类 号：F830.33[经济管理—金融学]