我国商业银行创新发展与风险防范分析  

The analysis of the innovation and risk defend of Commercial banks in CHINA

作　　者：长青[1] 吉伦奇[2] 杨艳[2] 

机构地区：[1]天津大学,天津300072 [2]内蒙古工业大学,呼和浩特010062

出　　处：《科学管理研究》2004年第2期106-109,共4页Scientific Management Research

摘　　要：随着加入WTO ,按预定计划开放我国的金融市场给我国商业银行带来了发展的机遇 ,更带来挑战。本文在总结我国商业银行现状的基础上 ,重点对我国商业银行不良资产的产生原因进行了分析 ,提出降低不良资产及规避风险的策略。最后 ,对我国商业银行的发展趋势及前景进行了展望。Joining into WTO and opening the financial market as proposed, commercial banks in China are welcoming charming chances, while, at the same time, facing great challenges. By introducing present conditions of the banks, this paper firstly pays attention on the cause of bad debts'formation of the commercial banks. After that, the strategies on how to diminish the bad debts and forefend related risks are discussed.Finally,forecasts on the future of the commercial banks are put forward.

关 键 词：中国 商业银行 创新 风险防范 不良资产 监管体系 资产管理公司 信用评级体系 资本市场管理 证券化 电子化 

分 类 号：F832.33[经济管理—金融学]