我国商业银行信贷风险的现状和对策研究
我国商业银行向来是以传统的存贷款业务为主，再加上金融行业的国际化趋势，我国在面对国内商业银行自身的机制，结构的因素和国际化风险的挑战下，信贷风险成为了我国商业银行面对的最主要的风险。我国商业银行面临存贷结构不合理，企业融资结构单一等种种现状，这将严重制约我国商业银行的发展，因此针对我国商业银行信贷风险的现状，从而找到银行信贷风险的内外原因，通过对信贷风险发生的征兆分析从而提出信贷风险的预警措施，从而真正提出如何来防范和应对我国商业银行信贷风险的具体对策和措施。
关键词：信贷风险 ；现状；征兆；防范 ；对策
China's commercial banks credit
risk status and countermeasures
Abstract: China's commercial banks have always been based on traditional deposit-based lending business, coupled with trends in the internationalization of the financial sector, China's domestic commercial banks in the face of its own mechanism, the structure of the risk factors and the challenges of internationalization, the credit risk has become China's commercial banks face major risks. China's commercial banks face the deposit-loan structure is irrational, and various other corporate finance structure, a single status quo, which would severely restrict the development of China's commercial banks, targeting China's commercial banks credit risk of the status quo, in order to find the internal and external causes of bank credit risk through credit signs of the risk of occurrence of credit risk analysis and recommend an early warning measures in order to really put forward how to prevent and respond to China's commercial banks to the credit risk of specific countermeasures and measures.
Key words：Credit Risk Status ； Signs ； Prevention ； Countermeasures
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