摘 要
信貸風險管理是現代商業(yè)銀行經營管理的核心內容，信貸風險管理水平的高低直接關系到商業(yè)銀行經營的成敗。
由于我國的商業(yè)銀行信貸風險管理水平較為落后，《巴塞爾新資本協(xié)議》的內容必然對我國商業(yè)銀行產生嚴峻的挑戰(zhàn)。在借鑒國外先進信貸風險管理經驗的基礎上，提出了信貸風險的定義、特征、目標、管理程序和三大要素。通過分析商業(yè)銀行的信貸風險問題，為其構建預警模型，并提出相應的對策與建議，使銀行的信貸風險盡量降到最低。

關鍵詞 商業(yè)銀行 信貸風險 巴塞爾新資本協(xié)議

Abstract
Credit risk management is a modern commercial bank's core content management, credit risk management level is directly related to the success or failure of commercial banks.
Because China's commercial banks’ credit risk management is lagging behind, "the New Basel Capital Accord," the contents are a severe challenge to China's commercial banks inevitably. Based on foreign experience in credit risk management, this article states the definitions, characteristics, objectives, management procedures and the three major elements of the credit risk. Analyzing the credit risk issues about commercial banks, build their early-warning model, and the corresponding countermeasures and suggestions to make the bank as far as possible to minimize credit risk.

Key words commercial bank credit risk
New Basel Capital Accord