| 1. | Through analyzing the credit risk in private business sector running by two commercial banks in daqing , we can find that the operation risk is higher than the credit risk of loanee , and it can enlarge credit risk to a great degree 针对此情况,本文用案例分析指出个人信贷业务产生的风险不仅仅是借款人的信用问题,更主要的是商业银行的内部因素导致的,即操作风险。健全的内部控制机制和良好的公司治理结构可以有效的控制操作风险的发生。 |