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在社会主义市场经济条件下,资金商品化、利率市场化后,企业与银行的联系更紧密、依附性更强,银行对企业的信贷投放日益增多、规模不断扩大,其信贷风险也必然会随之增大。因此,专业银行必须建立符合社会主义市场经济运行机制要求的、与市场风险加大相适应的、以提高信贷资金使用的社会效益和自身效益为核心的、能在复杂多变的经营环境中应变自如的信贷资产风险管理机制,这已成为国家专业银行向国有商业银行转化的必要条件。如何构建市场化的信贷资产风险管理机制,本文谈点浅见。
Under the conditions of a socialist market economy, commercialization of funds and the liberalization of interest rates have made the connection between enterprises and banks closer and more dependent. As banks expand credit to enterprises and their scale continues to grow, their credit risk is bound to rise with Increase. Therefore, specialized banks must establish a social management system that meets the requirements of the socialist market economy and adapt to the increased market risk, with the social and self-benefits of using credit funds as the core and adapting itself to the ever-changing business environment The free credit asset risk management mechanism has become a necessary condition for the transformation of the national specialized banks into state-owned commercial banks. How to Construct Market - oriented Credit Assets Risk Management Mechanism.