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摘要经济金融新常态下，中国商业银行的信用风险管控仍居于不断发展的状态。新常态给我国商业银行带来的，更多的是一些新的挑战。面对经济放缓的过渡期，为了能降低商业银行的信用风险，遏制我国银行不良资产的上升趋势，为此有必要寻找合适的方式方法加以管控。但改革的不断深化，市场和法律体系等宏观环境的变化，尤其是上市商业银行的改革，以及商业银行进入资本市场，这些均导致商业银行信用风险增加。为了解决上述问题，本文使用风险管控理论，参照并采用了国内外先进的观点、理论和国外的大型商业银行积累的风险管控的经验，针对经济金融新常态下，我国的商业银行信用风险管控方面的建立和完善，说明了存在的一些问题并提出相应的应对策略，为改善中国商业银行信用风险管控体系和管控方法提供一定的参考依据。43408
The credit risk management of commercial banks under the new normal condition
Abstract
Under the new economic and financial normality, Chinese commercial bank's credit risk management and control is still living in a state of continuous development. New normal for China's commercial banks to bring more of a number of new challenges. Faced with slowing economies in transition, in order to reduce the credit risk of commercial banks, non-performing assets of banks to curb the upward trend, for which it is necessary to find appropriate ways and means to control. But the deepening of reform, changes in market and legal system, and the macroeconomic environment, in particular the reform of listed commercial banks, and commercial banks access to capital markets, which are leading to commercial bank credit risk increases. In order to solve these problems, the use of risk management theory, reference and uses advanced ideas, theories and foreign large commercial banks accumulated risk control experience, and respect for the next economic and financial normality, China's commercial bank credit risk management and control the establishment and improvement, illustrates some of the problems and the corresponding countermeasures, provide a reference for Chinese commercial banks to improve credit risk management and control system and control method.
Key Words: commercial bank credit risk risk management new economy normal
目 录
摘 要 I
Abstract II
目 录 III
一 引言 1
（一）选题背景及意义 1
（三）研究内容与方法 2
二 相关理论概述 4
（一）商业银行信用风险概述 4
（二）商业银行信用风险度量方法概述 4
三 新常态商业银行信用风险管理的情况 6
（一）我国商业银行信用风险的现状分析 6
（二）新常态下信用风险加大的原因分析 9
（三）新常态下我国商业银行信用风险管理的方法与特点 11
（四）我国商业银行信用风险管理仍存在的问题分析 13
（五）我国商业银行信用风险管理难题的原因分析