商业银行信贷风险的产生因素和防控措施

AbstractCommercial banks have developed for 30 years and have basically realizedmarketization in China.Its main economic source is loan.As an intermediary,bankshandle business.Due to the fact that each sum of money is not small and thedevelopment process is short,the credit risk is also very large.Compared with thehistory of more than 100 years of foreign development,we can only be regarded asthe primary marketization.We need to fully learn from the excellent experience offoreign countries and improve our own credit risk prevention.At present,the creditrisk of China's commercial banks mainly comes from the weakness of basicmanagement,the problems of the separation system and the three inspection systemof loans,the lack of corporate culture of the staff,and the imperfection of the internalsupervision mechanism.This paper will analyze the credit risk factors of commercialbanks through the analysis of general causes and special causes,and put forward thecorresponding solutions.Key words:Commercial Bank;credit risk;risk control