中美商业银行信用风险管理的比较分析  

The Comparative Analysis of China and America Commercial Bank Credit Risk Management

作　　者：赵薇[1] 郑宏宇[1] 

机构地区：[1]东北师范大学商学院,吉林长春130117

出　　处：《东北师大学报（哲学社会科学版）》2015年第6期104-108,共5页Journal of Northeast Normal University(Philosophy and Social Science Edition)

基　　金：国家自然科学基金委主任项目(71350015);审计署内部控制科研项目(1305);教育部青年基金项目(12YJC790173)

摘　　要：商业银行在经济中的地位是重要的,其信用风险及风险管理会导致经济波动,在此基础上,我们针对中美两国商业银行的信用风险管理进行比较,分别从法制体系、监管体系、金融结构三方面出发进行外部环境比较,从资本充足率要求、信用评级方法和风险防范措施三个方面进行内部环境的比较。借鉴和比较的结果是,中国商业银行应该从法制体系入手,完善信用评估手段并建立公开透明的信息披露制度。Commercial bank plays an important role in the economy,and its credit risk and risk management will lead to economic fluctuations.Based on this,we compare the two countries—China and America,for the credit risk management of commercial banks,separately from three external environment：legal system,the regulatory system,and financial structure,and three internal environment：Capital adequacy requirements,credit rating methodology and risk prevention measures.The result for reference and comparison is that,China commercial banks should start from the legal system,improve the credit assessment instruments and establish an open and transparent information disclosure system.

关 键 词：商业银行 信用风险 比较分析 

分 类 号：F830.33[经济管理—金融学]