金融危机以来，商业银行面临着更大的信贷风险压力。为了更好地了解我国商业银行的信贷风险管理状况，减小我国与发达国家信贷风险管理方面的差距，本文对我国商业银行的风险管理现状、问题作了研究，同时提出了改善风险管理的对策和建议。
关键词：商业银行；信贷风险管理；成因；对策和建议
Abstract
Since the financial crisis, commercial banks are facing greater credit risk pressure. In order to better understand the China commercial bank credit risk management in our country and the developed countries, reduce credit risk management gap, this article on China’s commercial bank’s risk management status, problems were studied, at the same time, put forward to improve the risk management countermeasure and suggestion.
Key words: Commercial Bank; credit risk management; causes; countermeasures and suggestions
目录：
一、商业银行信贷风险管理基本理论
二、商业银行信贷资金资产现状
三、我国商业银行信贷风险问题出现的成因
四、新形势下商业银行信贷风险的防范与控制
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