关于大型股份制商业银行信用风险的影响因素分析

Analysis of Influencing Factors of Credit Risk in Large Joint-Stock Commercial Banks

摘要: 商业银行涵盖了很多金融业务以及其他业务，在各项业务的操作当中，难免会存在信用风险。信用风险的存在，会给银行经营造成负面影响，带来一些经营上的困难和阻碍。因此，就需要对影响信用风险的相关因素形成认识，理解到其中的内涵关键，通过合理的措施予以治理，提高商业银行的信用风险防范能力。本文以招商银行、华夏银行、浦发银行和光大银行为研究主体，对股份制商业银行信用风险的影响因素进行分析，以此来探索商业银行信用风险的现状及存在的问题，并根据存在的问题提出相应的解决措施，来促进大型股份制商业银行系统的完善。

Abstract: Commercial banks cover a wide range of financial and other business activities. In the operation of each business, there will inevitably be credit risk. The existence of credit risk will have a negative impact on bank operation and bring some difficulties and obstacles in operation. Therefore, it is necessary to develop an understanding of the factors that affect credit risk, comprehend their connotations, and implement reasonable measures to govern them, thereby enhancing the credit risk prevention capabilities of commercial banks. This paper takes China Merchants Bank, Huaxia Bank, Shanghai Pudong Development Bank and Everbright Bank as the main body of research, and analyzes the factors affecting the credit risk of joint-stock commercial banks, so as to explore the status quo and existing problems of credit risk of commercial banks, and put forward corresponding solutions according to the existing problems, so as to promote the improvement of the system of large-scale joint-stock commercial banks.