金融经济周期与银行信用风险管理研究  

Research on Financial Business Cycle and Bank Credit Risk Management

作　　者：任保君 REN Baojun(People's Bank of China Lanzhou Central Sub-branch)

机构地区：[1]中国人民银行兰州中心支行

出　　处：《商展经济》2021年第12期62-64,共3页Trade Fair Economy

摘　　要：金融经济周期对经济造成的影响往往超过其他因素,而且伴随着社会进步、时代发展和人们对经济发展的追求,在一定程度上扩大了金融对经济造成影响的波及范围,作为重要的金融因素依托载体的银行,可将经济波动控制能力更为直观地表现出来,同时其所面对的挑战也不断增多,尤其是在经济周期转变时,需对银行重点进行风险管理,实现专业化与科学化共同促进金融生态的有效建设,以此为银行稳健经营打造健康的外部环境。对此,本文将简要分析金融经济周期与管理银行信用风险的相关路径。The impact of fi nancial business cycle on the economy is often more than other factors,and along with social progress,the development of the times and people's pursuit of economic development,to a certain extent,it expands the scope of fi nancial impact on the economy.As an important carrier of fi nancial factors,banks can show their ability to control economic fl uctuations more intuitively.At the same time,they are facing more and more challenges.Especially when the business cycle changes,it is necessary to focus on risk management of banks,realize specialization and scientization,and jointly promote the effective construction of fi nancial ecology,so as to create a healthy external environment for the steady operation of banks.In this regard,this paper will briefl y analyze the relevant path of fi nancial business cycle and bank credit risk management.

关 键 词：信用风险 银行 金融经济周期 管理 建议 

分 类 号：F832[经济管理—金融学]