随着我国加入WTO和改革开放的不断深化,商业银行之间的竞争越来越激

烈。我国商业银行的经营面临着前所未有的挑战。在这样的背景下,我国商业

银行首先要认清自己的优势和劣势,才能在激烈的竞争中保持较强的竞争力。

我国商业银行面临的最大障碍是经营风险较大,最突出的表现是信贷风险,尤

其是四大国有商业银行,巨额的不良资产给银行的经营带来了沉重的包袱,也

构成了经济安全运行的巨大隐患。因此,贷款业务风险管理应成为商业银行经

营管理的重中之重。本文从我国国有商业银行贷款业务经营中存在的问题出发,

从借款人、银行自身以及政府三方面分析了信贷风险形成的原因,对重点领域

贷款风险进行浅显的分析,同时对国有商业银行完善贷款风险管理提出了对策

建议。

关键词:国有商业银行,贷款风险,风险成因,风险防范
Abstract

Following China's accession to the WTO and the deepening of reform,

the competition among the commercial banks is more and more intensive. Our

commercial bank's management is facing the unprecedented challenge. In this

condition, our commercial banks must clearly recognize own strengths and

weaknesses, and take measures to maintain the strong competitive power. The

biggest obstacle faced by the commercial banks is the risk of management,

especially the credit risk. The huge bad assets have placed a heavy burden on

business,and also pose a great potential risk on the economic security.

Therefore,the management of credit risk should be the most important thing

in commercial banks. The report sets out from the credit business of our

commercial banks. It analyses the reason of the credit risk from three aspects:

borrower, bank and government, and also gives the suggestions on how to

keep away from the credit risk.

Key words: commercial Bank,credit risk,risk factors, risk prevention
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