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随着我国经济的发展,金融环境变得越来越复杂,商业银行面临的风险压力也越来越重。商业银行的稳固发展关系整个社会经济发展的稳定与否。近些年来,我国商业银行信贷风险管理机制已经日趋成熟,但在实际操作中还是遇到许多问题。本文从现行的银行预防风险的管理体制进行分析,发现其中的不足,给出了完善策略。
With the economic development in our country, the financial environment has become more and more complex, and commercial banks are under increasing pressure of risks. The steady development of commercial banks is related to the stability of the entire social and economic development. In recent years, China’s commercial bank credit risk management mechanism has matured, but in actual operation still encountered many problems. This article analyzes the existing management system of bank risk prevention and finds the deficiencies in it, and gives the perfect strategy.