金融危机下商业银行贷款的发放及风险控制

摘    要
   
商业银行贷款已成为影响银行发展和盈利的重要因素。本文对在金融危机下商业银行贷款的发放及其风险控制进行了详细的研究。
  首先，揭示了金融危机爆发的背景及其对世界的影响之强大。然后根据宏观数据分析我国商业银行在金融危机的冲击下所受到的影响，特别是贷款业务所面临的风险。但危机总是与机遇相伴随，面对金融危机，我国银行业迎来了发展的好机会。最后，探讨在我国商业银行贷款业务应对风险的基础上提出相应的风险管控建议。

关键词  金融危机；商业银行；贷款；风险

Abstract

Commercial bank loans to banks has become an important factor and profitability. In this paper, the financial crisis under the commercial bank loans and risk-control study in detail.
 First of all, reveals the background of financial crisis and its influence on the world's powerful. And our country in accordance with macro-data analysis of commercial banks in financial crisis under the impact, especially in lending risks. But the crisis and opportunities are always accompanied, in the face of financial crisis, China's banking industry has ushered in the development of better opportunities. Finally, to explore our country at commercial banks to deal with the risk of lending based on the corresponding risk of control recommendations.

Key words  financial crisis; commercial banks; loans; risk

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