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次贷危机之后,为刺激国内低迷的经济,中国政府采取宽松的货币政策和积极的财政政策以应对,开启了中国经济信贷扩张之路,而在这个过程中,作为央行货币政策坚定的执行者的各商业银行,其信贷业务和资产规模等都不同程度地受到信贷扩张的影响。文章基于信贷扩张对于中国银行业信贷资产经营的规模、结构、风险等指标的影响的数量及原理分析,针对我国银行业在信贷资产管理中所存在的突出问题,立足于严格控制经营风险、提高经营效率的目标,提出政策建议。
After the sub-prime crisis, in order to stimulate the sluggish economy in China, the Chinese government responded with a loose monetary policy and a proactive fiscal policy, opening the way for China’s economic credit expansion. In the process, as a firm executor of central bank monetary policy Of the commercial banks, their credit business and asset size are affected to varying degrees, the impact of credit expansion. Based on the quantity and principle analysis of the impact of credit expansion on such indicators as the scale, structure and risk of the operation of credit assets in China’s banking industry, aiming at the prominent problems in the management of credit assets in China’s banking industry, based on the strict control of business risk and improvement Management efficiency goals, put forward policy recommendations.