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商业银行信贷风险的控制质量直接关系到一个商业银行的经营效果,信贷风险主要来源于投资的不确定性,当投资的不确定因素导致正面的结果时,这种不确定性表现为机遇;当投资的不确定性造成负面的结果时,这种不确定性表现为损失。商业银行的信贷风险可以理解为由于内外部不确定因素而导致的经济损失或获得收益的可能性。
The control quality of credit risk in commercial banks is directly related to the operational effectiveness of a commercial bank. The credit risk mainly comes from the uncertainty of investment. When the uncertainties in investment lead to positive results, such uncertainty appears as an opportunity. When the uncertainty of investment has a negative result, the uncertainty manifests itself as a loss. Commercial bank credit risk can be understood as due to internal and external uncertainties caused by the economic losses or the possibility of gain.