数字经济背景下商业银行信用风险管理研究——基于马克思银行信用理论视域  

Research on Credit Risk Management of Commercial Banks under the Background of Digital Economy——Basedon Marx's Bank Credit

作　　者：黄玉学 方前移 Huang Yuxue;Fang Qianyi

机构地区：[1]安徽工程大学马克思主义学院

出　　处：《工程经济》2024年第5期62-69,共8页ENGINEERING ECONOMY

基　　金：国家社会科学基金项目:长江流域对外贸易中的竞合关系及效应研究(1895-1937)(19BZS141)。

摘　　要：马克思银行信用理论历经时代考验,始终保持着与时俱进的品质,对数字经济背景下商业银行的信用风险管理研究依然具有指导意义。当前,商业银行的信用风险管理呈现关注类贷款数量明显增加、不良贷款余额额度依然庞大和信用风险防控能力有所增强的现状,面临信用风险预警机制仍不成熟、信用风险缓释手段单一和押品管理机制还不健全的困境。针对这些问题,商业银行需要发挥数字技术赋能作用,坚持数字人才引育并重;拓展信用风险缓释手段,改变贷款市场被动处境;统一押品评估标准,提高价值评估水平。Marx's bank credit theory has gone through the test of The Times,and has always maintained the quality of advancing with The Times,which is still of guiding significance for the research on credit risk management of commercial banks under the background of digital economy.At present,the credit risk management of commercial banks presents the status quo that the num-ber of concerned loans has increased significantly,the quantity of non-performing loans is still large,and the credit risk preven-tion and control ability has been enhanced.Commercial banks are faced with the dilemma that the early warning of credit risk is still immature,the means of credit risk mitigation is single and the collateral management mechanism is not perfect.In response to these problems,commercial banks need to play the role of digital technology,and adhere to the introduction and education of dig-ital talents;Expand the means of credit risk mitigation and change the passive situation of the loan market;Unified the assess-ment standards of collateral,and improve the value assessment level.

关 键 词：马克思银行信用理论 数字经济 商业银行 信用风险预警 信用风险缓释 

分 类 号：F832.4[经济管理—金融学]