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2009年,为应对国际金融危机,国家出台了包括4万亿元投资在内的一揽子经济刺激计划。为配合这些计划有效实施,国家采取了适度宽松的货币政策,银行业金融机构提供了巨额配套信贷予以支持。但是,随着我国经济的企稳回升,宽松的货币政策也使通胀预期不断增强,信贷风险隐患逐步积聚,值得警惕。本文通过分析当前银行信贷风险,并结合实践探讨信贷风险审计重点及方法,以期对银行风险管理有所帮助。
In 2009, in response to the global financial crisis, the government introduced a package of stimulus packages including 4 trillion yuan of investment. In order to effectively implement these plans, the state adopted a moderately easy monetary policy and banking financial institutions provided huge supporting credit to support them. However, as China’s economy stabilizes and rebounds, loose monetary policies have also made inflation expectations more and more and credit risks have gradually accumulated, which warrants vigilance. In this paper, by analyzing the current bank credit risk, combined with practice to explore credit risk audit focus and method, with a view to bank risk management.