摘 要
信貸風(fēng)險管理是現(xiàn)代商業(yè)銀行經(jīng)營管理的核心內(nèi)容，信貸風(fēng)險管理水平的高低直接關(guān)系到商業(yè)銀行經(jīng)營的成敗。
由于我國的商業(yè)銀行信貸風(fēng)險管理水平較為落后，《巴塞爾新資本協(xié)議》的內(nèi)容必然對我國商業(yè)銀行產(chǎn)生嚴(yán)峻的挑戰(zhàn)。在借鑒國外先進(jìn)信貸風(fēng)險管理經(jīng)驗的基礎(chǔ)上，提出了信貸風(fēng)險的定義、特征、目標(biāo)、管理程序和三大要素。通過分析商業(yè)銀行的信貸風(fēng)險問題，為其構(gòu)建預(yù)警模型，并提出相應(yīng)的對策與建議，使銀行的信貸風(fēng)險盡量降到最低。

關(guān)鍵詞 商業(yè)銀行 信貸風(fēng)險 巴塞爾新資本協(xié)議

Abstract
Credit risk management is a modern commercial bank's core content management, credit risk management level is directly related to the success or failure of commercial banks.
Because China's commercial banks’ credit risk management is lagging behind, "the New Basel Capital Accord," the contents are a severe challenge to China's commercial banks inevitably. Based on foreign experience in credit risk management, this article states the definitions, characteristics, objectives, management procedures and the three major elements of the credit risk. Analyzing the credit risk issues about commercial banks, build their early-warning model, and the corresponding countermeasures and suggestions to make the bank as far as possible to minimize credit risk.

Key words commercial bank credit risk
New Basel Capital Accord