上世纪中期开始,现代金融方法微观方面发展迅速,在它日益发展的基础上,开始诞生主要的信贷风险管理理论。西方商业银行凭借丰富的发展历史构建了一个成熟的发展平台,从理论方面和制度安排方面都为信贷风险管理提供了发展前提和经验。而我国也在对西方商业银行信贷风险管理的学习借鉴上,提出了适合于我国国情的信贷风险管理方法。本文分别从国外和国内两个方面,对于商业银行信贷风险管理的文献做出全面综述,重点放在对我国商业银行信贷风险管理的研究和量化方法上。 Beginning in the middle of the last century, the modern financial method has been developing rapidly at the microcosmic level. Based on its growing development, the main theory of credit risk management began to emerge. Western commercial banks have established a mature development platform based on their rich history of development and provided preconditions and experiences for credit risk management both in theory and in institutional arrangements. However, our country is also studying the credit risk management of western commercial banks, and proposes a credit risk management method suitable for China’s national conditions. This article respectively gives a comprehensive review of the literature on credit risk management of commercial banks from both foreign and domestic sources, with a focus on the research and quantification of credit risk management in commercial banks in China.