20世纪90年代以来,信用风险已成为银行业所面临的各种风险中最主要的风险,而信用衍生品的出现引起了银行信用风险管理方式的重大变革,实现了信用风险由银行业向其他多种金融机构的转移与分散。但银行在应用信用衍生品转移信用风险的同时也将面临新的问题,本文将为我国银行有效引入和应用信用衍生品提供具体的政策建议。 Since the 1990s, credit risk has become the most important risk among various risks faced by the banking industry. The emergence of credit derivatives has led to major changes in the bank’s credit risk management and has brought the credit risk from the banking industry to other The diversification and diversification of various financial institutions. However, banks will also face new problems while applying credit derivatives to transfer credit risk. This article will provide concrete policy suggestions for banks to effectively introduce and apply credit derivatives.