作　　者： ;

机构地区： 中国工商银行股份有限公司广东省分行

出　　处： 《金融论坛》 2009年第10期26-31,共6页

摘　　要： 2008年以来，受金融危机影响，全球经济处于下行周期，受其拖累，我国经济增长放缓，企业经营普遍下滑。在此背景下，银行信贷业务潜在风险有所增加，威胁到银行信贷资产质量，使银行信贷经营面临严峻考验，并相应加大了银行信贷结构调整的难度。为此，本文综合分析当前宏观经济形势，在对A银行信贷客户点面结合进行快速抽样调查的基础上，透析市场环境变化对银行信贷客户的影响，并特别关注了制造行业、外贸类客户的整体运行状态及潜在风险，据此提出应对当前形势的信贷政策和具体措施建议，希望有助于银行防范信贷系统性风险。 Since 2008, under the shadow of the slump of global economy triggered by the financial crisis, the growth of Chinese economy has slowed down and enterprises have been universally experiencing performance decline. Under this background, the potential risk of commercial bank＇s credit business is exacerbating, which may threaten the quality of bank＇s credit assets, impose severe test on commercial bank＇s credit business, as well as increase the difficulty of adjustment of credit structure. Therefore, on the basis of comprehensive analysis on the current macro-economic situation and the result of quick sampling survey on Bank A＇s credit customers, the paper expounds the influence of the change of market environment on bank＇s credit customers, especially the overall status quo and potential risks of customers in manufacturing industry and foreign trade industry. Accordingly, the paper puts forward proposals about feasible credit policy and detailed measures to guard against systematic risks of the credit business.

关 键 词： 经营环境 商业银行 客户 信贷 风险

分 类 号： [F830.33]

领　　域： []