【摘要】 随着中国加入WTO和2006年外资银行的全面进入,我国商业银行正面临着巨大的挑战。就我国商业银行自身而言,在信贷期限结构、利率杠杆作用、利率风险控制、信贷业务种类、银行人员素质等方面存在各种各样的问题。如何提高我国商业银行的竞争力和抗风险能力,顺应商业银行发展的要求,从信贷过程风险控制、利率市场化改革、利率风险管理、信贷业务拓展、人员激励与约束等方面着手,以重庆市某商业银行为例,研究我国商业银行信贷管理问题,并提出了相应的对策。更多还原

【Abstract】 With China’s accession to WTO and the expected overall entrance of foreign capital banks into China in 2006,the commercial banks in China will be faced with enormous challenges.They have various problems in such respects as term structure of credit,interest rate leverage,interest rate risk control,business variety and bank personnel quality.Taking one commercial bank in Chongqing as an example,this paper discusses how to improve their competitiveness and anti-risk capabilities in the following aspects: risk control during credit course,market-based reform of interest rate,interest rate risk management and credit business promotion.Some countermeasures are recommended for the solution of these problems.更多还原