UC知道哪个神人帮我翻译下这段文字，不要用翻译软件翻，重赏100分
来源：百度知道 编辑：UC知道 时间：2024/05/28 07:51:31
信贷风险管理是商业银行和非银行金融机构经营管理的一个重要组成部分，而信贷风险的识别是进行风险管理的第一步。信贷风险是客户违约行为形成的一种风险，违约即指客户没有对到期债务按契约偿本付息。随着经营环境的不断变化和竞争的日益激烈，商业银行和非银行金融机构的信贷风险越来越大。在此，从会计的角度对商业银行如何做好信贷风险的控制进行初步探讨。通过将会计分析方法有效的应用于贷款贷前调查和贷后管理的全过程，寻找防范会计信息失真的方法，从而揭示企业真实的经营状况和偿债能力，为贷款的发放和贷后管理提供有力的决策依据。
Credit risk in banking business process can not be avoided in reality, in recent years, with the trend of financial globalization and financial market volatility increased, the risk management of commercial banks in international and domestic financial sector has been the focus of attention. At the same time, the credit risk of commercial banks in China's major risks, it is China's commercial banks constitute the focus of risk management and difficulties in risk management is the core of the bank.
Credit risk management of commercial banks and non-bank financial institutions as an important management component of the recognition of credit risk is the first step in risk management. Credit risk is the formation of non-customers a risk means that the customer does not default on debt payments of the interest by contract. With the ever-changing business environment and increasingly fierce competition, commercial banks and non-bank financial institutions, increasing credit