从次贷危机看中国商业银行信贷风险管理

中国的商业银行主要依赖信贷收入，信贷风险是中国商业银行面临的最主要的风险之一，加强商业银行的信贷风险管理是商业银行经营管理的重中之重。从次贷危机角度思考，分析了中国商业银行存在的贷款质量差、贷款流动性差、信贷管理差、法律法规不健全等问题，并从增强商业银行竞争力、调整信贷结构、建立银行风险预警系统和加强内控制度的建设等方面提出了应对措施。同时，结合次贷危机，分析了加强中国商业银行信贷风险管理的对策，为中国商业银行有效规避信贷风险提供借鉴。

Credit risk management of commercial bank in China from perspective of subprime crisis

The commercial bank in China is mainly depending on the credit income, the credit risk is one of the most important risks, it is very important to enchance the credit risk management of com- mercial bank. From the perspective of subprime crisis, savral problems are analyzed, such as bad loan quality, bad load fluidity, bad credit management and unperfect laws and regulations. Finally, some countermeasures are proposed from the aspects of enchancing the competitiveness of commercial bank, adjusting the credit structure, establishing a risk warning system and enchancing the contruction of in- ternal control system. It provides a reference for commercial bank to reduce the credit risk.