我国商业银行信用风险控制刍议——以新巴塞尔协议为视角  

Discussion on Credit Risk Control for China's Commercial Banks——From the Perspective of New Basel

作　　者：郭德香[1] 

机构地区：[1]郑州大学法学院,河南郑州450001

出　　处：《征信》2012年第5期28-33,共6页Credit Reference

基　　金：国家社会科学基金项目(12BFX134);教育部人文社会科学研究规划基金项目(10YJA820024);中国法学会2012年度部级法学研究课题(CLS(2012)D171)

摘　　要：目前,中国商业银行信用风险控制存在一些较为突出的问题:不良贷款压力日益增大,缺乏完善的风险控制信息数据库等。此外,金融危机中信用风险控制的重要性被大大提升,这要求所有的商业银行进一步加强信用风险控制。在新巴塞尔协议的监管框架下,我国应当借鉴西方国家相关成功经验,结合中国的传统与现实,在我国商业银行内部建设较为系统的、科学的风险控制系统,同时着力从外部打造良好的商业银行信用文化体系,理性且有效地控制中国商业银行运营中普遍存在的信用风险。Some prominent problems can be found in China＇ s commercial banks regarding credit risk control at present, for instance, the increasing pressure of non - performing loans, lack of a sound risk control information da-tabase, etc. In addition, the importance of credit risk control is greatly enhanced during the financial crisis, which requires all commercial banks to further strengthen the credit risk control. Under the new Basel III regulatory frame- work, China should learn from the successful experiences of western＇ countries, take full account of Chinese tradition and reality, and build a more systematic, scientific risk control system in the internal construction within China＇s commercial banks. Meanwhile, externally, commercial banking credit culture system is to be stressed so as to per-form a rational and effective control of credit risks prevalent in the China＇ s commercial banking operations.

关 键 词：商业银行 信用风险 风险控制 新巴塞尔协议 

分 类 号：F832.33[经济管理—金融学]