我国商业银行贷款风险防范研究

我国商业银行贷款风险防范研究摘要：对于目前正在发展阶段的商业银行以及金融机构所处大环境下的问题，还有因此种环境面领的各种的风险，都会对正在发展中的该行业造成一定程度的影响，而其中最尤为突出的便是消费信贷人群的对信贷的看法和用法所造成的影响消费信贷。儿消费信贷所占市场的百分比、商行和其他金融机构对于自身的管控能力的大小以及他们自身对风险管控的程度，这些毫无疑问斗士队商行最主要竞争力有着极其重要的影响。因而，当前形势下的信贷风险，商业银行的主要风险无可厚非的就是信贷风险，如果商行或者金融机构对于这项基本业务的不重视、管控缺乏等情况，将会直接影响其经营甚至毁灭。对于基本业务的不重视、不作为，将会成为该行业或者公司走向毁灭的”指南针”。关键词：互联网商业银行贷款风险防范政策监管毕业论文外文摘要Title Research on loan risk prevention of commercial banks inChinaAbstractWith Abstract:At this stage,commercial banks are faced with a variety ofrisks,all of which have an impact on the development of commercial banks,among which credit risk has the most significant impact on commercialbanks.The size of the credit market share,the strength of management andcontrol ability,and the level of risk tolerance have an important impacton the core competitiveness of commercial banks,and have a direct impacton the realization of commercial banks'business goals.Therefore,as themain risk of commercial banks,the lack of credit risk management andcontrol ability will directly lead to the weakening of commercial banks'competitiveness and operating performance,and have a significant adverseimpact on the future development of commercial banks.In view of this,studies the countermeasures of its risk management and control,in orderto provide effective countermeasures for the risk management andprevention of commercial banks.Where there are people,there are riversand lakes.Where there is capital,there is borrowing.Lending has beena common economic phenomenon since ancient times!However,the commercialbanks in our country have developed so far,and the loan scale has beenincreasing.Commercial banks should also guard against loan risks whileissuing loans to improve their own profits.This topic analyzes the currentsituation of commercial bank loans,points out the problems existing inloans,and puts forward corresponding loan risk prevention suggestions.Keywords:Internet commercial;bank loan;risk preventionPolicyRegulation