试论商业银行信贷风险

信贷风险管理是商业银行风险管理的核心。本文以风险管理之基本原理为理论基础，结合国际银行业风险管理的发展历程，针对我国商业银行所面临的信贷风险问题，完整地剖析了商业银行信贷风险的内容及其产生原因，并从信贷风险预测的路径入手，提出了建立有效的商业银行信贷风险管理体系的系统性对策，这对探索中的我国商业银行的风险管理无疑具有重大的理论和现实意义。

A Brief Analysis of Approaches to Predicting Credit Risks of Commercial Banks

This paper, based on the theories of basic risk management principles and by looking into the history of international banking risk management and the credit risks that Chinese banks are faced with, gives a complete and in depth analysis of the content of and causes for the credit risks imposed to commercial banks, and proposes a set of systematic by establishing an effective credit risk management system for commercial banks, starting with a good risk prediction. It must bear a lot of theoretical and practical significance to the risk management of the fledgling Chinese commercial banks.