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近几年,我国城市商业银行在加强信用风险管理方面,虽已取得一定进展,但由于受历史和现实诸多因素的制约,与国际、国内大银行相比,我国城市商业银行贷款信用风险管理仍比较滞后,存在着许多问题。一、风险管理意识仍较薄弱,“重贷轻管”现象依然存在部分城市商业银行各级经营单位基于规模扩展的目的、经营指标
In recent years, although we have made some progress in strengthening credit risk management, due to the constraints of many factors of history and reality, compared with the international and domestic big banks, the credit risk management of China’s city commercial banks More lagging behind, there are many problems. First, the risk management awareness is still weak, “heavy loan-minding ” phenomenon still exists Some city commercial banks at all levels of business units based on the purpose of scale expansion, business indicators