目 录
内容摘要·····································································································3
一、商业银行信贷业务的风险······················································4
二、商业银行信贷风险的原因剖析······················································5
（一)控制机制不健全·······················································································5
（二)监督不力、责任认定不到位···································································5
（三）制度执行乏力·······················································································5
（四）防范权责不对称导致风险控制滞后······················································6
三、商业银行加强信贷风险管理的对策······················································ 6
（一）建立更为谨慎的信贷风险文化······················································6
（二）加快建立信贷风险内部控制制度的步伐······················································6
（三）充分发挥内部审计在信贷风险管理中的作用······················································7
（四）商业银行应加强对企业基本情况的审查······················································7
四、银行信贷管理机制的几点思考······················································8
（一）实现源头控制风险································ ··········· ········ ···8
（二）建立科学的信贷风险管理机制······················································9
（三）加大科技投入，加快风险量化系统建设的步伐···························9
（四）健全内在评价体系和约束机制······················································9
（五）加强信贷队伍建设和提高风险管理理念······················································10
五、结论·······································································································································10
内 容 摘 要
商业银行的信贷业务是其主要收益来源，信贷风险也是商业银行面临的主要风险。商业银行的信贷业务经营是在风险中寻求收益，通过对风险的有效管理而创造价值。作为商业银行收益主要来源的信贷业务隐藏着巨大风险，因此论文在对信贷风险产生原因进行全面、深入分析的基础上，指出了如何建立商业银行信贷风险管理机制，以确保商业银行资本的安全。
关键词：信贷业务；信贷风险；风险管理机制
