不良贷款英文

风险管理是商业银行保持流动性、完全性和效益性的前提，是商业银行经营发展的永恒主题，在日益复杂的国际、国内经济和金融环境下，能否实施有效的风险管理是衡量商业银行核心竞争力强弱的重要尺度。目前，我国商业银行的核心业务仍是信贷业务，信贷风险已构成我国商业银行最大的金融风险，也是商业银行经营中需要控制的核心要素之一。对商业银行信贷风险管理的研究，可以保障银行的经营安全，以最小的损失来获得控制信贷风险的最佳效果，防患于未然。降低不良贷款的比例不仅关系到我国商业银行的生存与发展，更影响到防范金融风险、保护金融业稳定、确保金融安全运行的效果。因此，对信用风险的识别、防范和控制对商业银行的经营成果有着决定性的影响，而信贷业务的审查、审批环节作为信用风险识别和控制的关健环节，更是商业银行风险管理的重中之重。从2006年12月11日起， 我国金融业进入对外全面开放时期，中国已向外资银行开放了对中国境内公民的人民币业务， 并取消了开展业务的地区限制及其它非审慎性限制，履行我国加入世界贸易组织时关于对外资银行实行国民待遇的承诺。这也意味着我国的商业银行将和外资银行站在同一条起跑线上开展竞争，但是我们必需认识到，我国商业银行在资金规模，管理技术、产品创新以及风险管理水平上与外资银行还是很大的差距，特别是商业银行信贷风险管理，在学习借鉴国外先进的信贷风险管理技术和管理理论的基础上， 需要研究适合我国商业银行的信贷风险管理模式。本文正是从这一背景出发，对商业银行信贷风险管理这一主题进行探讨。 Risk management is to maintain liquidity of commercial banks, completeness and effectiveness of the premise, is the development of commercial banks and the eternal theme, in an increasingly complex international and domestic economic and financial environment, the ability to implement effective risk management is a measure of commercial banks, the strength of the core competitiveness of important yardstick.At present, China's commercial banks is still the core business of credit operations, credit risks of commercial banks in China have constituted the largest financial risk as well as commercial banks need to control one of the core elements. Of commercial banks credit risk management research, you can protect the bank's business security, with minimal loss of control credit risks to obtain the best results, take preventive measures. Reduce non-performing loan ratio of commercial banks in China is not only related to the survival and development, but also affect the prevention of financial risks, to protect the financial sector stability and to ensure the safe operation of the financial results. Therefore, credit risk identification, prevention and control of the operating results of commercial banks have a decisive influence, while the credit review and approval as part of the credit risk identification and control of a key step is even more emphasis on commercial bank risk management in the weight. From December 11, 2006, the China's financial industry had entered a period of full liberalization of the external, China opens to foreign banks for renminbi business to Chinese residents, and the elimination of areas of operations are restrictions and other non-prudential restrictions to fulfill our accession to the World Trade Organization on the implementation of foreign banks national treatment commitments. This also means that China's commercial banks and foreign banks will stand on the same starting line to compete, but we must recognize that the scale of China's commercial banks in financial, management, technology, product innovation and risk management level, and foreign banks is still very large the gap, especially in commercial bank credit risk management in foreign countries to learn from the advanced credit risk management techniques and management theory, based on the need to study China's commercial banks for credit risk management model. This is From this background, credit risk management of commercial banks to explore this theme.