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| 摘要: |
| 信用风险是指借款人或交易对于违约而导致损失的可能性。在我国金融分业经营,利率尚未市场化,存、贷款利差收入仍是商业银行的主要收入来源的情况下,信用风险是我国商业银行面临的主要风险。对信用风险的准确度量和有效管理,既是商业银行进行贷款甄别、定价,提高风险的识别、评估、预警能力,从源头上降低不良资产的关键,也是监管当局进行风险性监管的基础。 |
| 关键词: 商业银行,巴塞尔新资本协议,信用风险 |
| DOI： |
| 分类号:F832.2 |
| 基金项目: |
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| Research on Countermeasures for the Risk Management of Credit of China''''s Commercial Banks |
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ZHOU Na
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| Abstract: |
| Credit risk refers to the possibility of lose caused by the breach of faith of borrower or transaction.In a condition where financial business is operated dividedly,interest is not marketized,and interest differences between deposit and loan are the main |
| Key words: commercial bank,Basel II,credit risk |
