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作为一个世界范围内所关注的热门话题,如何加强信贷风险成为了当前迫切需要解决的问题。通过查阅有关信贷风险预警系统所有的研究成果来看,学术界大都将研究的重点集中在了整个的预警系统之上。虽然信贷风险是的主要风险,但是由于银行所面临的风险非常的复杂,不仅包括信贷风险,而且还包括市场风险、利率风险等等在内的诸多风险,在构建信贷风险预警系统时需要综合考虑,这样才能够提升信贷风险预警系统构建的有效性。为此,本文从当前信贷风险预警系统研究概况出发,然后对信贷风险预警系统指标的选择进行了全面的分析,包括指标选取的原则、财务指标在信贷风险预警系统构建中的运用两个方面,最后对如何强化信贷风险预警系统的改进策略进行了深入的探讨。希望为今后加强信贷风险管理水平提供一个一定具有参考价值的文献基础。
As a hot topic of worldwide concern, how to strengthen the credit risk has become an urgent problem to be solved. By referring to all the research results about credit risk early warning system, most of the scholars in academia focus their research on the whole early warning system. Although credit risk is the main risk, due to the complexity of the risks faced by banks, it not only includes credit risk, but also many risks including market risk and interest rate risk, which need to be considered in the construction of credit risk early warning system , So as to enhance the effectiveness of the construction of credit risk early warning system. Therefore, based on the current research situation of credit risk early warning system, this paper analyzes the selection of indicators of credit risk early warning system comprehensively, including the principle of selecting indicators and the application of financial indicators in the construction of credit risk early warning system. Finally, how to improve the credit risk early warning system to improve the strategy conducted in-depth discussion. It is hoped to provide a certain reference value for the future to strengthen the credit risk management.