| 浅谈商业银行贷款风险管理 |
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| 引用本文： | 高建侠,刘茵,李建锋.浅谈商业银行贷款风险管理[J].三门峡职业技术学院学报,2003,2(1):10-12. |
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| 作者姓名： | 高建侠 刘茵 李建锋 |
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| 作者单位： | 1. 陕西财经职业技术学院,陕西,咸阳,712000
2. 大连市建设银行,辽宁,大连,116025 |
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| 摘 要： | 我国已正式加入WTO,商业银行竞争日益加剧。在激烈的竞争过程中,银行面临许多风险,其中重要的风险之一是贷款风险,其产生的原因有内部和外部的,主观和客观的,由于信息不对称造成逆向选择和道德风险。为了防范贷款风险,提高竞争能力和经营效益,必须采取应对措施。
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| 关 键 词： | 贷款 风险管理 道德风险 信用等级评定 |
| 文章编号： | 1671-9123(2003)-01-0010-03 |
| 修稿时间： | 2002年7月28日 |
On the Management of Loan Risk in Commercial Bank |
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| GAO Jian-xia,LIU Yin,LI Jian-feng.On the Management of Loan Risk in Commercial Bank[J].Journal of Sanmenxia Polytechnic,2003,2(1):10-12. |
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| Authors: | GAO Jian-xia LIU Yin LI Jian-feng |
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| Abstract: | The commercial bank has to confront a lot of risks since our country entry into WTO.Hence the in-creasing competition among banks themselves,among which the loan risks are the biggest.The reasons lie in many aspects,including internal and external reasons,subjective and objective reasons,and the adverse selec-tion and moral hazard caused by unsymmetrical information.Commercial banks should guard against risks to develop the competition capacity and increase the management efficiency. |
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| Keywords: | loan risk management moral hazard the assess of the credibility rank |
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