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银行最主要的风险就是信贷风险,信贷资金在运动过程中要受许多不确定因素的制约,在很多环节上都经常构成对贷款的安全性、流动性、盈利性的威胁。为此,如何提高信贷风险管理水平,已成为现阶段专业银行向国有商业银行过渡中亟待解决的问题。本文就此谈点浅见。一、树立风险观念,增强风险意识树立风险观念,增强风险意识,是创造提高风险管理水平的主观条件。过去,在单一的计划经济时期,人们的风险观念极为淡薄,因为银行按照国家计划、政策和原则发放贷款,国家承担了一定风险。随着市场经济的产生和发展,专业银行逐步向商业银行转化,成为真正的“自主经营、自负盈亏、自担风险、自求发展”的经济实体。客观上要求我们树立信贷风险观念,增强风险意识。树立风险观念,增强风险意识,就是要求我们清醒地认识到,在我国社会主义市场经济体制下,信贷风险是客观存在的,特别是在市场调节机制的驱动下,市场竞争
The most important risk of a bank is credit risk. Credit funds are subject to many uncertainties during the movement. In many aspects, credit funds often pose a threat to the security, liquidity and profitability of loans. Therefore, how to improve the credit risk management level has become an urgent issue in the transition of specialized banks to state-owned commercial banks. This article on the point of humble opinion. First, establish the concept of risk and enhance risk awareness Establish risk concepts and enhance risk awareness is to create a subjective condition to improve the level of risk management. In the past, in a single period of planned economy, people’s perceptions of risk were extremely weak because banks issued loans in accordance with state plans, policies and principles and the state assumed certain risks. With the emergence and development of the market economy, specialized banks have gradually transformed themselves into commercial banks and become real economic entities that are “self-managed, self-financing, self-seeking and development at risk”. Objectively require us to establish the concept of credit risk and enhance risk awareness. To establish the concept of risk and to enhance our risk awareness requires us to clearly understand that in China’s socialist market economic system credit risk exists objectively. In particular, driven by the market regulatory mechanism, market competition