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全球金融风暴使我国商业银行面临着严重的考验。长久以来,我国商业银行不良贷款数额巨大,信贷风险十分严重,且有着不同于西方商业银行信贷风险的独特特征。因此,防范和化解银行信贷风险应从改善银行外部运作环境和加强内部科学管理两个方面入手。
The global financial crisis has put China’s commercial banks in a serious test. For a long time, China’s commercial banks have a huge amount of non-performing loans, credit risk is very serious, and has a unique feature different from the credit risk of western commercial banks. Therefore, preventing and resolving the bank credit risk should start from two aspects: improving the external operation environment of banks and strengthening internal scientific management.