浅析如何改进我国商业银行信用风险管理方法  

Thinking on improving the credit risk management of commercial banks in China

作　　者：鲍志斌[1] 

机构地区：[1]华夏银行总行办公室

出　　处：《中国市场》2011年第3期75-78,共4页China Market

摘　　要：本文以商业银行信用风险管理为切入点,对我国信用风险管理的现状和问题进行探讨。文章介绍了我国商业银行目前使用的两种信用风险管理方法——客户信用评级法和贷款风险分类法,分析其存在的问题,并对完善我国商业银行信用风险管理提出了对策建议。The paper explores over the credit risk management of commercial banks in China. First, the paper reviews the current situation and problems of credit risk management in China. Then it focuses on the two specific ways of credit risk management followed by the Chinese commercial banks （that is, customer credit rating and loan risk classification） and examines the problems. Finally, the paper makes suggestions for improving the practices of credit risk management.

关 键 词：信用风险管理 客户信用评级法 贷款风险分类法 

分 类 号：F832.2[经济管理—金融学]