摘要:美国金融危机爆发后，国际金融市场的发展受到影响，银行信贷业务风险及其控制成为重点关注问题。我国商业银行也面临着资产恶化的趋势，有着较高的不良贷款比重。我国商业银行信贷风险问题的加大，直接影响商业银行的经营后果和我国金融市场的稳定发展。因此，我国商业银行信贷风险管理有着其重要的理论和实践意义。

　　　在研究过程中，本文主要运用相关信贷数据，采用了理论研究与实践分析相结合的方式，在问题的研究上采取纵向对比的分析方法。

　　　本文通过金融理论和银行信贷风险管理的知识，以及结合国外信贷风险管理实践，指出焦作市商业银行武陟支行在后经济危机时代信贷风险管理中存在的主要问题，包括信贷文化缺失、文化和道德素质不高、政府干预和内部管理体系不健全等。针对这些问题，我国商业银行应当重视信贷文化的发展、完善内部控制度建设和加强道德风险意识，同时也应注意提高信贷资产质量等。

关键词 商业银行；信贷风险；防范措施

Abstract:　After the outbreak of the financial crisis in the United States,the development of the international financial market was affected, the risk and control of the bank credit business become the key to the bank about the problems. The assets of commercial banks in China is also facing a deteriorating trend, which is a higher proportion of non-performing loans. The exposure to the problem that credit risk of the China's commercial banks increasing impact on the  operating consequences of the commercial banks directly, affect the stable development of the China's financial markets. So, the credit risk management of China's commercial banks has  important theoretical and practical significance.

　　　In the course of the study, combining credit data with the theory and practice analysis, take longitudinal comparative analysis in the study of the problems.

　　　By the knowledge of financial theory and credit risk management about bank, and the credit risk management of foreign, point out some problems that the credit risk management of jiaozuo city commercial bank and wuzhi sub-branches in the post-economic crisis era,including the lack of credit culture, cultural and moral quality is not high, government intervention and internal management system is not perfect. For solving these problems, China's commercial banks should emphasis on the cultivation of credit culture, perfect the degree of internal control and improve the awareness of moral hazard, at the same time ,it should also pay more attention to improve the quality of credit assets, and so on.

Keywords   commercial bank   credit risk   preventive measures