【作者】 张欣； 张卫平； 曹志鹏；

【Author】 Zhang Xin Zhang Weiping Cao Zhipeng(Shaanxi University of Science and Technology,Xi’an branch of the Bank of Communications,Xi’an Jiaotong University)

【机构】 陕西科技大学； 交通银行西安分行； 西安交通大学；

【摘要】 由于美国的次贷危机,加之法国兴业银行内部人越权交易欺诈操作造成该行39～50亿欧元的巨额损失的影响,这对我国金融业,特别是银行业敲响了防范风险的警钟。本文拟对我国商业银行信贷风险管理中存在问题进行剖析,提出了完善商业银行信贷风险管理的若干对策建议。更多还原

【Abstract】 As the result of US’s loan crisis,and the influence that the insider exceeds’ trade cause the losses of 39 -5,000,000,000 in the French Corporate and Investment Banking,which to our financial industry,specially the banking industry has sounded the guard risk alarm.The internal commerce bank is in the advancement of reforming,through a series of measures such as improving the process of providing loan and so on,strengthens the property risk control and the management.But with the change of global market and policy environment,the bad assets frequently occurs in our commercial bank causing the amount of losses,this question has puzzled our country economy and the financial seriously.This article plans to analysis the problem country commercial bank credit risk management,and gives the proposal.更多还原