浅谈我国银行信贷资金的风险防范  

Bank Credit Funds Risk Preventation in Our Country

作　　者：马顺英[1] 

机构地区：[1]开封大学财政经济学院,河南开封475004

出　　处：《开封大学学报》2006年第3期16-17,共2页Journal of Kaifeng University

摘　　要：银行在开拓市场与开发信贷业务过程中,出于规避风险的考虑,常把信贷资金向大企业集中,这无形中加大了信贷风险。为防范风险,银行应做到:合理分配信贷资金,不过分向“大户”集中;严格放款程序;锤炼风险识别能力和不迷信“大牌”会计师事务所。这样做就能真正筑起信贷业务的“防火墙”。In consideration of the risk, the bank often centralizes the credit funds to big enterprise in the development of markets and credit operation process, which enlarges the credit risk. In order to guard against the risk, the bank should：rafionlly distrib- ute credit funds, not centralize the credit funds to the big enterprise, be strict with the process,enhance the ability of indenfifying the risk and not believe ＂famous account office＂blindly .

关 键 词：银行 信贷资金 风险 防范 

分 类 号：F832.4[经济管理—金融学]