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我国货币市场随着社会经济的发展不断完善。商业银行的成功转型,使资金融通的渠道更加通畅。但是,随着商业银行资金信贷规模的扩大,信贷风险也与日俱增。尤其是在信息不对称的现实状况下,商业银行承担的风险已成为制约其良性发展的重要因素。稳重全面分析影响商业银行信贷风险的因素,定量测算信贷风险的大小,据此提出了降低商业银行信贷风险的具体措施。
China’s monetary market continues to improve along with the social and economic development. The successful transformation of commercial banks makes the financing channels more open. However, with the expansion of commercial banks’ credit, the credit risk is also increasing. Especially in the real situation of information asymmetry, the risk borne by commercial banks has become an important factor restricting its benign development. A comprehensive and steady analysis of the factors that affect the credit risk of commercial banks, and the quantitative measurement of the size of credit risk. Accordingly, specific measures are put forward to reduce the credit risk of commercial banks.