从经济周期变化视角看信贷风险防范

经济决定金融,金融对经济有巨大的反作用。经济周期是经济发展的基本变化轨迹,同时对商业银行信贷质量具有非常明显的传递效应。商业银行要有效地防范信贷风险,除了要加强内部管理外,更重要的是要从经济周期的运动变化规律中找出防范风险的战略思路。

Credit Risk Prevention from the Perspective of the Changes in the Economic Cycle

Economy decides finance and finance has a huge reaction to the economy. The economic cycle is the fundamental track of economic development which has very clear pass-through effect to the credit quality of commercial bank. In order to effectively prevent credit risks, commercial banks must strengthen their internal management, what is important, must find out the strategy of preventing credit risks from the changing law of economic cycle.