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农业银行向国有商业银行转化,是我国金融体制改革整体推进、重点突破的关键。实行信贷资产风险管理,是这一转轨的基础性工作,它不仅可以建立科学的防范风险的信贷运行管理机制,而且对于防止国有资产损失,支持农村经济持续、快速、高效发展,有着十分重要的意义。 一、信贷资产风险管理的主要内容 所谓信贷资产风险管理是根据市场经济的特征、运用经济的、法律的、行政的手段,以及数学方法,对信贷资产的预期风险和事实风险进行度量、防范和监控,达到信贷资金的高效运用、正常归流和增值,实现信贷资产安全性、流动性和效益性统一的科学管理方法。主要包括:信贷资产风险管理的原则;贷款风险度管理,信贷资产风险
The transformation of Agricultural Bank into a state-owned commercial bank is the key to the overall progress and breakthrough of China’s financial system reform. The implementation of risk management of credit assets is the basic work of this transition. It can not only establish a scientific credit risk management mechanism for risk prevention, but also have great importance in preventing the loss of state assets and in supporting the sustained, rapid and efficient development of the rural economy significance. I. Main Contents of Risk Management of Credit Assets The so-called risk management of credit assets is based on the characteristics of market economy, using economic, legal and administrative measures as well as mathematical methods to measure the expected risks and de facto risks of credit assets and prevent and Monitoring and control to achieve the efficient use of credit funds, normal return and value-added, to achieve a unified credit management of the safety of assets, liquidity and effectiveness of scientific management methods. Mainly include: the principle of credit asset risk management; loan risk management, credit asset risk