信贷业务是商业银行的核心业务,是银行的主要收入来源,信贷风险控制也成为商业银行的核心问题,是商业银行能否稳健运作的关键。作为内地首家在香港上市的城市商业银行,重庆银行的不良贷款率一直保持着行业内的较低水平,其对信贷风险的管理值得借鉴。一、重庆银行的信贷风险管控体系(一)构建“五有”信贷监控模式“五有”信贷监控模式是重庆银行独创的一种基于商业银行特点的信贷管理模式,其从信贷风险源头出发,基于制 Credit business is the core business of commercial banks, is the bank’s main source of income, credit risk control has also become the core issue of commercial banks, the key to the sound operation of commercial banks. As the first urban commercial bank listed in Hong Kong in the Mainland, the non-performing loan ratio of Chongqing Bank kept a relatively low level in the industry. Its credit risk management is worthy of reference. First, the Bank of Chongqing credit risk control system (A) to build “Five ” credit monitoring model “Five ” credit monitoring mode is a unique credit management model based on the characteristics of commercial banks in Chongqing Bank, The source of risk, based on the system