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文章运用信息不对称理论、委托代理理论,对信贷风险的产生进行了理论分析。认为我国商业银行信贷风险管理存在信贷文化缺失、信贷风险技术管理水平较低、信贷管理内部控制制度不完善、信贷风险监管体制不健全等问题,并提出培养信贷管理文化、加强内控、完善预警机制、引进和创新风险管理技术以及加强金融监管与协调等对策,为加强我国商业银行信贷风险管理提供建议。
The article uses information asymmetry theory and principal-agent theory to make a theoretical analysis of credit risk. The credit risk management of commercial banks in our country is characterized by the lack of credit culture, the low level of technical management of credit risk, the imperfect internal credit control system and the imperfect credit risk supervision system. The paper also proposes to develop credit management culture, strengthen internal control and improve early warning mechanism , Introducing and innovating risk management techniques and strengthening financial supervision and coordination measures to provide suggestions for strengthening the credit risk management of commercial banks in China.