信贷业务是商业银行的核心业务，信贷风险管理居于现代商业银行风险管理的核心地位。
而对于以信贷资产作为银行主要配置资产的我国国有商业银行来讲，信贷风险管理更有其特殊的意义。目前我国市场经济体制还不完善，国有商业银行的商业化经营体制也不健全。尽管经过多年的努力，国有商业银行在推进企业体制改革进程上开展了很多的工作，取得了比较大的成绩，不良贷款率和不良贷款余额连年下降，但与国际上的先进商业银行相比，我国国有商业银行在信贷风险管理水平上还存在相当大的差距。本文对信贷风险的内涵和我国国有银行信贷风险管理的现状做了简要的介绍，对国有商业银行信贷风险管理中所存在的主要问题做了较为详细的说明，并进一步探究和分析了造成国有银行信贷风险管理问题的主要原因。
关键词：国有商业银行，信贷风险，信贷风险管理，信贷风险成因
ABSTRACT
The business of Credit is the core business of commercial banks, and the credit risk management is in the key position of modern commercial bank risk management. As for China's state-owned commercial banks, the main allocation of assets of which are from credit assets, credit risk management has its special significance. The current market economic system and the commercialization operating system of state-owned commercial banks are not perfect. In spite of efforts for many years, state-owned commercial banks have undertaken a lot of work in the process of reform promoting, and have made great success. The performing loan ratio and NPL balance have went down year after year. But compared with the international advanced commercial banks, there is still a long way to go for China's state-owned commercial banks in credit risk management level. In this paper, the writer make a brief introduction to the connotation of credit risk and credit risk management of state-owned banks in China, describe the major problems of the state-owned commercial banks’ credit risk management and then do a more detailed explanation and further exploration about the main reasons for the credit risk management issues of state-owned banks.
Key words: state-owned commercial banks, credit risk, credit risk management, causes of credit risk
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